San Diego County property record for 23574 Encina Corte, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,455 sqft · built 1999 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $403,000 (Jul 2012) |
| Tax Bill | $13,154 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-690-14-00 |
| Primary APN | 288-690-14-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,455 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 21,780 sqft (0.5 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 23574 ENCINA CORTE |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-5916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S88 |
| Legal Description | LOT 17 TR 013667 |
| Legal Subdivision | RAMONA 5016-1 |
| Legal Tract | 013667 |
| Legal Block | 3 |
| Legal Lot Number | 17 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20810 |
23574 Encina Corte is owned and occupied by two individuals who bought it in July 2012.
Source: San Diego County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23574 ENCINA CORTE, RAMONA, CA 92065-5916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| Oct 9, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Oct 9, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2012 · Amount on File |
| Deed Sale | Jul 24, 2012 · Amount on File |
| Prior Sale | Jul 15, 2009 · Amount on File |
| Deed Document Number | 2012430102 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 22, 2026 |
| Property Address | 23574 ENCINA CORTE, RAMONA, CA 92065-5916 |
| Document Number | 0000275260 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 2026275260 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 23574 ENCINA CORTE, RAMONA, CA 92065-5916 |
| Document Number | 0000275260, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 2026275260 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23574 ENCINA CORTE, RAMONA, CA 92065-5916 |
| Document Number | 0000496695 |
| Instrument Date | Oct 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 23574 ENCINA CORTE RAMONA CA 920655916, RAMONA, CA 92065-5916 |
| Document Number | 0000496695 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 496695 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 30, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23574 ENCINA CORTE, RAMONA, CA 92065-5916 |
| Document Number | 0000525592 |
| Instrument Date | Oct 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 23574 ENCINA CORTE RAMONA CA 920655916, RAMONA, CA 92065-5916 |
| Document Number | 0000525592 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | 525592 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 13, 2049 |
| Rate | 3.75% |
|---|
The 2025 property tax bill for 23574 Encina Corte was $13,154 with a homeowner's exemption.
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 | $505,926 (+2%) Land $150,466 Building $355,460 | |
| 2025 | $13,154.00 Homeowner's exemption | $496,007 Land $147,516 Building $348,491 |
| 2023 | $12,747.00 (-0.88%) Homeowner's exemption | $476,748 Land $141,789 Building $334,959 |
| 2022 | $12,860.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 23574 Encina Corte in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.
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.
Wildfire risk around 23574 Encina Corte is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 56% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
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 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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