San Diego County property record for 23914 Couna Way, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,612 sqft · built 1978 |
| Lot Size | 0.412 acres (17,936 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $709,000 (Jan 2026) |
| Tax Bill | $7,750 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-421-03-00 |
| Primary APN | 288-421-03-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,612 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 17,936 sqft (0.412 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 23914 COUNA WAY |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-4120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 409 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 4 |
| Legal Lot Number | 409 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 20810 |
23914 Couna Way is owned and occupied by two individuals who bought it in January 2026.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23914 COUNA WAY, RAMONA, CA 92065-4120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
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 |
|---|---|
| Jan 2, 2026 | Grant Deed, Transfer · VA Mortgage LOWER LLC |
| Apr 29, 2021 | Grant Deed, Transfer · Conventional Mortgage JMJ FINANCIAL GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2026 · Amount on File |
| Deed Sale | Jan 2, 2026 · Amount on File |
| Prior Sale | Apr 29, 2021 · Amount on File |
| Deed Document Number | 20261006 |
| Prior Transfer Date | Mar 1, 2007 |
| Prior Transfer Doc | 0000185268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 2, 2026 |
| Property Address | 23914 COUNA WAY, RAMONA, CA 92065-4120 |
| Document Number | 0000001006 |
| Map Reference | MAP 7519 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 2026-0001006 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Amount | Amount 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 | 23914 COUNA WAY, RAMONA, CA 92065-4120 |
| Document Number | 0000001007 |
|---|---|
| Date | Jan 2, 2026 |
| Instrument | 2026-0001007 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 29, 2021 |
| Property Address | 23914 COUNA WAY, RAMONA, CA 92065-4120 |
| Document Number | 0000329739 |
| Map Reference | MAP 7519 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 2021-0329739 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| 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 | 23914 COUNA WAY, RAMONA, CA 92065-4120 |
| Investor | Possibly a Property Investor |
| Document Number | 0000329740 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021-0329740 |
| Name | JMJ FINANCIAL GROUP |
|---|---|
| Type | Funding / Finance Company |
| Address | ALISO VIEJO, CA 92656 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 23914 Couna Way was $7,750.
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 | $656,923 (+2%) Land $329,870 Building $327,053 | |
| 2025 | $7,750.00 | $644,043 Land $323,402 Building $320,641 |
| 2023 | $7,277.00 (-1.24%) Homeowner's exemption | $619,036 Land $310,845 Building $308,191 |
| 2022 | $7,368.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 23914 Couna Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2024 · Severe Storms And Flooding |
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 23914 Couna Way is high, ranking above 76% 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 76% of the US · above 52% of California |
|---|---|
| Wildfire Likelihood | 0.5% 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 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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