San Diego County property record for 23547 Carmena Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,880 sqft · built 1997 |
| Lot Size | 0.409 acres (17,835 sqft) |
| Owner | Company Name on Record |
| Last Sale | $439,000 (Apr 2016) |
| Tax Bill | $6,435 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-382-16-00 |
| Primary APN | 288-382-16-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,880 sqft Living Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 17,835 sqft (0.409 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 23547 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 195 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 3 |
| Legal Lot Number | 195 |
| 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 21, 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 | 23547 CARMENA RD, RAMONA, CA 92065-4209 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 3, 2025 | Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU |
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2016 · Amount on Record |
| Deed Sale | Apr 4, 2016 · Amount on Record |
| Prior Sale | Feb 11, 2015 · Amount on Record |
| Deed Document Number | 2016151998 |
| Last Transfer Date | Oct 10, 2016 |
| Transfer Doc | 0000560730 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23547 CARMENA RD, RAMONA, CA 92065-4209 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 23547 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000275400 |
|---|---|
| Date | Oct 3, 2025 |
| Instrument | 2025-0275400 |
| Name | CALIFORNIA COAST CU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92150 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 28, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23547 CARMENA RD, RAMONA, CA 92065-4209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000495648 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 2019-0495648 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23547 CARMENA RD, RAMONA, CA 92065-4209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 23547 CARMENA RD, RAMONA, CA 92065-4209 |
| Document Number | 0000796426 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 2020-0796426 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: San Diego County assessment roll, as of July 21, 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 | $530,071 (+2%) Land $165,461 Building $364,610 | |
| 2025 | $6,435.00 (+6.95%) Homeowner's exemption | $519,678 (+4.04%) Land $162,217 Building $357,461 |
| 2023 | $6,017.00 (-1.78%) Homeowner's exemption | $499,500 Land $155,919 Building $343,581 |
| 2022 | $6,126.00 |
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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