239 Sawday Rd, Ramona, CA 92065 Property Records

San Diego County property record for 239 Sawday Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,328 sqft · built 1999
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$825,000 (Aug 2023)
Tax Bill	$9,980 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`282-160-16-00`

Property Details

APN / Parcel Number

Primary APN	`282-160-16-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,328 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	47,916 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	239 SAWDAY RD
City	RAMONA
State	CA
Zip	92065-3861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 20-13-1E POR TR 000863
Legal Range	01E
Legal Township	13
Legal Section	20
Legal Subdivision	RANCHO SANTA FE
Legal Tract	000863
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2037
Census Tract	20805

Owner

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	Individual Name on Record
Mailing Address	239 SAWDAY RD, RAMONA, CA 92065-3861
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Grant Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 26, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2023 · Amount on Record
Deed Sale	Aug 14, 2023 · Amount on Record
Prior Sale	Sep 30, 2010 · Amount on Record
Deed Document Number	2023220520
Record Updated	Sep 20, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 14, 2023
Property Address	239 SAWDAY RD, RAMONA, CA 92065-3861
Document Number	0000220520
Map Reference	MAP 863
Instrument Date	Jul 14, 2023
Instrument	2023-0220520
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 SAWDAY RD, RAMONA, CA 92065-3861

Mortgage

Document Number	0000220521
Date	Aug 14, 2023
Instrument	2023-0220521

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	239 SAWDAY RD, RAMONA, CA 92065-3861
Document Number	0000216297
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	239 SAWDAY RD RAMONA CA 920653861, RAMONA, CA 92065-3861

Mortgage

Document Number	0000216297
Date	Apr 29, 2020
Instrument	216297

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	239 SAWDAY RD, RAMONA, CA 92065-3861
Document Number	0000514805
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 SAWDAY RD RAMONA CA 920653861, RAMONA, CA 92065-3861

Mortgage

Document Number	0000514805
Date	Nov 3, 2017
Instrument	514805

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$858,330 (+2%) Land $468,180 Building $390,150
2025	$9,980.00 (+67%)	$841,500 (+70.84%) Land $459,000 Building $382,500
2023	$5,976.00 (-2.42%) Homeowner's exemption	$492,560 Land $184,708 Building $307,852
2022	$6,124.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	15 (1980–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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 78% of the US · above 55% of California
Wildfire Likelihood	0.7% 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.

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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