23154 Stokes Rd, Ramona, CA 92065 Property Records

San Diego County property record for 23154 Stokes Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,446 sqft · built 2005
Lot Size	2.41 acres (105,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$796,000 (May 2008)
Tax Bill	$11,660 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`244-140-13-00`

Property Details

APN / Parcel Number

Primary APN	`244-140-13-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,446 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	105,415 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	23154 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 37 TR 014371
Legal Subdivision	TRACT ROLLING HILLS ESTATE
Legal Tract	014371
Legal Block	1
Legal Lot Number	37
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	2 Individual Names on Record
Mailing Address	23154 STOKES RD, RAMONA, CA 92065-5582
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2008 · Amount on Record
Deed Sale	May 5, 2008 · Amount on Record
Deed Document Number	2008240880
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23154 STOKES RD, RAMONA, CA 92065-5582
Document Number	0000578510
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23154 STOKES RD RAMONA CA 920655582, RAMONA, CA 92065-5582

Mortgage

Document Number	0000578510
Date	Dec 12, 2017
Instrument	578510

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2047

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		$1,103,874 (+2%) Land $401,926 Building $701,948
2025	$11,660.00 (+6.4%) Homeowner's exemption	$1,082,231 (+4.04%) Land $394,046 Building $688,185
2023	$10,959.00 (-0.57%) Homeowner's exemption	$1,040,209 Land $378,746 Building $661,463
2022	$11,022.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 97.1% of the US · above 86% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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