23041 Stokes Rd, Ramona, CA 92065 Property Records

San Diego County property record for 23041 Stokes Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,707 sqft · built 2014
Lot Size	2.08 acres (91,040 sqft)
Owner	2 Individuals on Record
Last Sale	$645,000 (Feb 2016)
Tax Bill	$8,801 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`244-141-01-00`

Property Details

APN / Parcel Number

Primary APN	`244-141-01-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,707 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	91,040 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	23041 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 7 TR 014371
Legal Subdivision	RAMONA 4844-1
Legal Tract	014371
Legal Block	1
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1013
Census Tract	20807

Owner

Source: San Diego County assessment roll, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	23041 STOKES RD, RAMONA, CA 92065-5581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Oct 21, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Aug 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2016 · Amount on Record
Deed Sale	Feb 1, 2016 · Amount on Record
Prior Sale	Jun 7, 2013 · Amount on Record
Deed Document Number	201643508
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23041 STOKES RD, RAMONA, CA 92065-5581
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23041 STOKES RD, RAMONA, CA 92065-5581

Mortgage

Document Number	0000251808
Date	Apr 1, 2021
Instrument	2021-0251808

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23041 STOKES RD, RAMONA, CA 92065-5581
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000474284
Date	Oct 21, 2019
Instrument	2019-0474284

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23041 STOKES RD, RAMONA, CA 92065-5581
Document Number	0000351491
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	23041 STOKES RD RAMONA CA 920655581, RAMONA, CA 92065-5581

Mortgage

Document Number	0000351491
Date	Aug 19, 2019
Instrument	351491

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 18, 2034

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Ramona City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$832,354 (+2%) Land $223,896 Building $608,458
2025	$8,801.00 (+6.63%) Homeowner's exemption	$816,034 (+4.04%) Land $219,506 Building $596,528
2023	$8,254.00 (-0.78%) Homeowner's exemption	$784,348 Land $210,983 Building $573,365
2022	$8,319.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 97.7% of the US · above 87% of California
Wildfire Likelihood	3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RAMONA MUNICIPAL WD serves 36,455 people · EPA ID CA3710019
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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