232 Penn St, Ramona, CA 92065 Property Records

San Diego County property record for 232 Penn St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,305 sqft · built 2004
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (May 2013)
Tax Bill	$5,759 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`280-110-44-00`

Property Details

APN / Parcel Number

Primary APN	`280-110-44-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,305 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	50,094 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	232 PENN ST
City	RAMONA
State	CA
Zip	92065-1567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 166 TR 000656
Legal Subdivision	VALLE DE LOS AMIGOS
Legal Tract	000656
Legal Block	1
Legal Lot Number	166
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1002
Census Tract	20812

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	232 PENN ST, RAMONA, CA 92065-1567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE COMPANY
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 10, 2017	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2013 · Amount on Record
Deed Sale	May 23, 2013 · Amount on Record
Prior Sale	Aug 30, 2012 · Amount on Record
Deed Document Number	2013325666
Prior Transfer Date	May 10, 2013
Prior Transfer Doc	0000329788
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 10, 2026
Property Address	232 PENN ST, RAMONA, CA 92065-1567
Document Number	0000166478
Instrument Date	Jun 1, 2026
Instrument	2026166478
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 PENN ST, RAMONA, CA 92065-1567

Mortgage

Document Number	0000166478,
Date	Jun 10, 2026
Instrument	2026166478

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	232 PENN ST, RAMONA, CA 92065-1567
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 PENN ST, RAMONA, CA 92065-1567

Mortgage

Document Number	0000084057
Date	Feb 24, 2022
Instrument	2022-0084057

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	232 PENN ST, RAMONA, CA 92065-1567
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	WRT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013505
Date	Jan 10, 2017
Instrument	2017-0013505

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 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		$533,811 (+2%) Land $157,000 Building $376,811
2025	$5,759.00 (+7.87%)	$523,345 (+4.04%) Land $153,922 Building $369,423
2023	$5,339.00 (-2.02%)	$503,025 Land $147,946 Building $355,079
2022	$5,449.00

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 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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	High above 87% of the US · above 68% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL	50 / 10

May also be available: Verizon.

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