San Diego County property record for 23512 Carmena Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,529 sqft · built 1984 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $630,000 (Oct 2019) |
| Tax Bill | $8,225 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Apr 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-382-23-00 |
| Primary APN | 288-382-23-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 2,529 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Lot Area | 31,363 sqft (0.72 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 23512 CARMENA RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-4209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 202 TR 007519 |
| Legal Subdivision | COUNTRY CLUB V |
| Legal Tract | 007519 |
| Legal Block | 3 |
| Legal Lot Number | 202 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 20810 |
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 | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2023 | Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU |
| Apr 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIFORNIA COAST CU |
| Feb 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC |
| Oct 28, 2019 | Grant Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2019 · Amount on Record |
| Deed Sale | Oct 28, 2019 · Amount on Record |
| Prior Sale | Aug 25, 1993 · Amount on Record |
| Deed Document Number | 2019489571 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2023 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000103018 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 2023-0103018 |
| Name | CALIFORNIA COAST CU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92150 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000175973 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 2022-0175973 |
| Name | CALIFORNIA COAST CU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92150 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Title Company | STEWART TITLE CALIFORNIA INC |
| Name | Verified Name |
|---|---|
| Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000139397 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 2021-0139397 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000175101 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 2020-0175101 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | LEWISVILLE, TX 75057 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 28, 2019 |
| Property Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000489571 |
| Map Reference | MAP 7519 |
| Instrument Date | Oct 8, 2019 |
| Instrument | 2019-0489571 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 23512 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000489572 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 2019-0489572 |
| Name | LENDSURE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 6.25% |
| Max Rate At Change | 8.25% |
| Index | 1-Year LIBOR |
| Max Rate | 12.2% |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $702,771 (+2%) Land $267,195 Building $435,576 | |
| 2025 | $8,225.00 (+6.36%) Homeowner's exemption | $688,992 (+4.04%) Land $261,956 Building $427,036 |
| 2023 | $7,733.00 (-1.07%) Homeowner's exemption | $662,239 Land $251,785 Building $410,454 |
| 2022 | $7,817.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (1998–2023) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Aug 2023 · Tropical Storm Hilary |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 85% of the US · above 65% of California |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures