23110 Stokes Rd, Ramona, CA 92065 Property Records

San Diego County property record for 23110 Stokes Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,321 sqft · built 2008
Lot Size	2.11 acres (91,912 sqft)
Owner	Company Name on Record
Last Sale	$1,040,000 (Oct 2022)
Tax Bill	$11,613 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`244-140-09-00`

Property Details

APN / Parcel Number

Primary APN	`244-140-09-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,321 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	91,912 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	23110 STOKES RD
City	RAMONA
State	CA
Zip	92065-5582
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 33 TR 014371
Legal Subdivision	RAMONA 4844-1
Legal Tract	014371
Legal Block	1
Legal Lot Number	33
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1013
Census Tract	20807

Owner

Source: San Diego County records, as of July 28, 2026

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

Owner of Record	Company Name on Record
Mailing Address	23110 STOKES RD, RAMONA, CA 92065-5582
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Oct 3, 2022	Grant Deed, Transfer · Conventional Mortgage CALIFORNIA COASTAL LOANS
Mar 24, 2022	Intrafamily Transfer, Transfer
Nov 6, 2020	Quit Claim Deed, Transfer LAWYERS TITLE
Nov 6, 2020	Grant Deed, Transfer LAWYERS TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	Nov 6, 2020 · Amount on Record
Deed Document Number	2022386612
Prior Transfer Date	Feb 24, 2022
Prior Transfer Doc	0000132237
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23110 STOKES RD, RAMONA, CA 92065-5582
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23100 STOKES RD, RAMONA, CA 92065-5582

Mortgage

Document Number	0000307091
Date	Nov 6, 2023
Instrument	2023-0307091

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 3, 2022
Property Address	23110 STOKES RD, RAMONA, CA 92065-5582
Document Number	0000386612
Map Reference	MAP 14371
Instrument Date	Sep 14, 2022
Instrument	2022-0386612
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	23110 STOKES RD, RAMONA, CA 92065-5582

Mortgage

Document Number	0000386613
Date	Oct 3, 2022
Instrument	2022-0386613

Lender

Name	CALIFORNIA COASTAL LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 24, 2022
Property Address	23110 STOKES RD, RAMONA, CA 92065-5582
Document Number	0000132237
Map Reference	MAP 14371
Instrument Date	Feb 24, 2022
Instrument	2022-0132237
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23110 STOKES RD, RAMONA, CA 92065-5582

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 6, 2020
Property Address	23110 STOKES RD, RAMONA, CA 92065-5582
Document Number	0000695445
Instrument Date	Oct 27, 2020
Instrument	695445
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	23110 STOKES RD RAMONA CA 920655582, RAMONA, CA 92065-5582

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 6, 2020
Property Address	23110 STOKES RD, RAMONA, CA 92065-5582
Document Number	0000695444
Map Reference	MAP 14371
Instrument Date	Oct 21, 2020
Instrument	2020-0695444
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23110 STOKES RD, RAMONA, CA 92065-5582

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$1,103,656 (+2%) Land $530,604 Building $573,052
2025	$11,613.00 (+6.05%) Homeowner's exemption	$1,082,016 (+4.04%) Land $520,200 Building $561,816
2023	$10,950.00 (+39.58%) Homeowner's exemption	$1,040,000 Land $500,000 Building $540,000
2022	$7,845.00

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 98.4% of the US · above 90% of California
Wildfire Likelihood	3% annual chance
Exposure	Direct burnable vegetation

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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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