San Diego County property record for 23926 Couna Way, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1976 |
| Lot Size | 0.5 acres (21,794 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $480,000 (Apr 2020) |
| Tax Bill | $6,491 (2025) |
| Deeds & Mortgages | Nov 2022 Second Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-421-05-00 |
| Primary APN | 288-421-05-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,680 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Lot Area | 21,794 sqft (0.5 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 23926 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 411 TR 007519 |
| Legal Subdivision | COUNTRY CLUB V |
| Legal Tract | 007519 |
| Legal Block | 4 |
| Legal Lot Number | 411 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 4 |
| Census Block | 4007 |
| 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 | 23926 COUNA WAY, RAMONA, CA 92065-4120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Nov 3, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Apr 10, 2020 | Grant Deed, Transfer · Conventional with PMI NAVY FCU |
| Nov 1, 2018 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2020 · Amount on Record |
| Deed Sale | Apr 10, 2020 · Amount on Record |
| Prior Sale | Jul 11, 2016 · Amount on Record |
| Deed Document Number | 2020184479 |
| Prior Transfer Date | Jun 20, 1994 |
| Prior Transfer Doc | 0000421025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23926 COUNA WAY, RAMONA, CA 92065-4120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 23926 COUNA WAY, RAMONA, CA 92065-4120 |
| Document Number | 0000423157 |
|---|---|
| Date | Nov 3, 2022 |
| Instrument | 2022-0423157 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 2, 2032 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 10, 2020 |
| Property Address | 23926 COUNA WAY, RAMONA, CA 92065-4120 |
| Document Number | 0000184479 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 184479 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 23926 COUNA WAY RAMONA CA 920654120, RAMONA, CA 92065-4120 |
| Document Number | 184480 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | 184480 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 9, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23926 COUNA WAY, RAMONA, CA 92065-4120 |
| Document Number | 0000464488 |
| Instrument Date | Nov 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2018 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 23926 COUNA WAY RAMONA CA 920654120, RAMONA, CA 92065-4120 |
| Document Number | 0000464488 |
|---|---|
| Date | Nov 6, 2018 |
| Instrument | 464488 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 5, 2048 |
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 | $535,443 (+2%) Land $138,811 Building $396,632 | |
| 2025 | $6,491.00 (+6.94%) Homeowner's exemption | $524,945 (+4.04%) Land $136,090 Building $388,855 |
| 2023 | $6,070.00 (-1.76%) Homeowner's exemption | $504,562 Land $130,806 Building $373,756 |
| 2022 | $6,179.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 60% of California |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures