San Diego County property record for 23005 Stokes Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,595 sqft · built 2014 |
| Lot Size | 4.16 acres (181,645 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $745,000 (Aug 2018) |
| Tax Bill | $9,548 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 244-141-04-00 |
| Primary APN | 244-141-04-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,595 sqft Living Area |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Lot Area | 181,645 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 23005 STOKES RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-5581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | LOT 10 TR 014371 |
| Legal Subdivision | RAMONA 4844-1 |
| Legal Tract | 014371 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 20807 |
Source: San Diego County records · APN 244-141-04-00
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23005 STOKES RD, RAMONA, CA 92065-5581 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 14, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 01, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 20, 2019 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Aug 13, 2018 | Grant Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 13, 2018 · Amount on Record |
| Deed Sale | Aug 13, 2018 · Amount on Record |
| Prior Sale | Sep 05, 2014 · Amount on Record |
| Deed Document Number | 2018330354 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23005 STOKES RD, RAMONA, CA 92065-5581 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 23005 STOKES RD, RAMONA, CA 92065-5581 |
| Document Number | 0000648768 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021-0648768 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Aug 23, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23005 STOKES RD, RAMONA, CA 92065-5581 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Title Company | TITLE CONNECTION, TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 23005 STOKES RD, RAMONA, CA 92065-5581 |
| Document Number | 0000252434 |
|---|---|
| Date | Apr 01, 2021 |
| Instrument | 2021-0252434 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23005 STOKES RD, RAMONA, CA 92065-5581 |
| Document Number | 0000546638 |
| Instrument Date | Nov 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2019 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 23005 STOKES RD RAMONA CA 920655581, RAMONA, CA 92065-5581 |
| Document Number | 0000546638 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 546638 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 24, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 13, 2018 |
| Property Address | 23005 STOKES RD, RAMONA, CA 92065-5581 |
| Document Number | 0000330354 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 330354 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2018 |
| Title Company | WESTERN RESOURCES TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $819.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 23005 STOKES RD RAMONA CA 920655581, RAMONA, CA 92065-5581 |
| Document Number | 330355 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | 330355 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 12, 2048 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $918,220 (+2%) Land $278,591 Building $639,629 | |
| 2025 | $9,548.00 (+4.33%) Homeowner's exemption | $900,217 (+4.04%) Land $273,129 Building $627,088 |
| 2023 | $9,152.00 (+1.51%) Homeowner's exemption | $865,263 Land $262,524 Building $602,739 |
| 2022 | $9,016.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Jan 1993 · Severe Winter Storm, Mud & Land Slides, & Flooding |
| Wildfire Risk | Extreme above 98.1% of the US · above 89% of California |
|---|---|
| Wildfire Likelihood | 3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 30 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | RAMONA MUNICIPAL WD serves 36,455 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2022 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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