San Diego County property record for 23934 Otero Way, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,117 sqft · built 2001 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,066 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-422-06-00 |
| Primary APN | 288-422-06-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,117 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 30,056 sqft (0.69 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 23934 OTERO WAY |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-4138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 399 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 4 |
| Legal Lot Number | 399 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 23934 OTERO WAY, RAMONA, CA 92065-4138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 25, 2022 | Deed of Trust, Mortgage · VA Mortgage WATERMARK CAPITAL INC |
| Oct 8, 2020 | Intrafamily Transfer, Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Sep 6, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2020 |
| Deed Sale | Oct 8, 2020 |
| Prior Sale | Nov 14, 2013 · Amount on Record |
| Deed Document Number | 2020610710 |
| Prior Transfer Date | Sep 24, 2020 |
| Prior Transfer Doc | 0000610710 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 23934 OTERO WAY, RAMONA, CA 92065-4138 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1888, RAMONA, CA 92065-0920 |
| Document Number | 0000177746 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 2022-0177746 |
| Name | WATERMARK CAPITAL INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 8, 2020 |
| Property Address | 23934 OTERO WAY, RAMONA, CA 92065-4138 |
| Document Number | 0000610710 |
| Map Reference | MAP 7519 |
| Instrument Date | Sep 24, 2020 |
| Instrument | 2020-0610710 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | AMERICAN COAST TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 23934 OTERO WAY, RAMONA, CA 92065-4138 |
| Document Number | 0000610711 |
|---|---|
| Date | Oct 8, 2020 |
| Instrument | 2020-0610711 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 6, 2019 |
| Property Address | 23934 OTERO WAY, RAMONA, CA 92065-4138 |
| Document Number | 0000385000 |
| Instrument Date | Sep 5, 2019 |
| Instrument | 385000 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 1888 RAMONA CA 920650920, RAMONA, CA 92065-0920 |
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 | $590,969 (+2%) Land $187,551 Building $403,418 | |
| 2025 | $7,066.00 (+10.15%) Homeowner's exemption | $579,382 (+7.84%) Land $183,874 Building $395,508 |
| 2023 | $6,415.00 (-1.6%) Homeowner's exemption | $537,278 Land $176,735 Building $360,543 |
| 2022 | $6,519.00 |
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 |
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