San Diego County property record for 23529 Carmena Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,820 sqft · built 1997 |
| Lot Size | 0.409 acres (17,804 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $540,000 (Nov 2019) |
| Tax Bill | $7,258 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-382-19-00 |
| Primary APN | 288-382-19-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,820 sqft Living Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 17,804 sqft (0.409 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 23529 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 198 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 3 |
| Legal Lot Number | 198 |
| 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 | 23529 CARMENA RD, RAMONA, CA 92065-4209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 1, 2022 | Deed of Trust, Mortgage · Line of Credit MISSION FCU |
| Nov 4, 2019 | Grant Deed, Transfer MISCELLANEOUS GOVT AGCY |
| Sep 29, 2017 | Intrafamily Transfer, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2019 · Amount on Record |
| Deed Sale | Nov 4, 2019 · Amount on Record |
| Prior Sale | Jun 17, 2015 · Amount on Record |
| Deed Document Number | 2019503506 |
| Prior Transfer Date | Aug 29, 2017 |
| Prior Transfer Doc | 0000451022 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23529 CARMENA RD, RAMONA, CA 92065-4209 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2022 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 23529 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000349522 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 2022-0349522 |
| Name | MISSION FCU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92191 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 4, 2019 |
| Property Address | 23529 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000503506 |
| Instrument Date | Sep 25, 2019 |
| Instrument | 503506 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE/CA |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $594.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 23529 CARMENA RD RAMONA CA 920654209, RAMONA, CA 92065-4209 |
| Document Number | 503507 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 503507 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | PO BOX 66889, ST LOUIS, MO 63166-6889 |
| Amount | Amount Recorded |
|---|---|
| Term | 396 Months |
| Due | Nov 3, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 29, 2017 |
| Property Address | 23529 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000451022 |
| Map Reference | MAP7519 |
| Instrument Date | Aug 29, 2017 |
| Instrument | 2017-0451022 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | STEWART TITLE OF CALIFORNIA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 23529 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000451023 |
|---|---|
| Date | Sep 29, 2017 |
| Instrument | 2017-0451023 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
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 | $602,374 (+2%) Land $295,281 Building $307,093 | |
| 2025 | $7,258.00 (+6.59%) | $590,564 (+4.04%) Land $289,492 Building $301,072 |
| 2023 | $6,809.00 (-1.43%) | $567,633 Land $278,251 Building $289,382 |
| 2022 | $6,908.00 |
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 |
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