23963 Nectar Way, Ramona, CA 92065 Property Records

San Diego County property record for 23963 Nectar Way, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,376 sqft · built 1985
Lot Size	0.55 acres (23,958 sqft)
Owner	Company Name on Record
Last Sale	$800,000 (Apr 2024)
Tax Bill	$9,641 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`288-672-07-00`

Property Details

APN / Parcel Number

Primary APN	`288-672-07-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,376 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	23,958 sqft (0.55 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	23963 NECTAR WAY
City	RAMONA
State	CA
Zip	92065-4524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 226 TR 008031
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	008031
Legal Block	2
Legal Lot Number	226
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2001
Census Tract	20811

Owner

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	Company Name on Record
Mailing Address	23963 NECTAR WAY, RAMONA, CA 92065-4524
Owner Type	Company
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 19, 2021	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Nov 19, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE
Aug 8, 2018	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2024 · Amount on Record
Deed Sale	Apr 8, 2024 · Amount on Record
Prior Sale	Nov 19, 2021 · Amount on Record
Deed Document Number	202486729
Prior Transfer Date	Jun 16, 2004
Prior Transfer Doc	0000787037
Record Updated	Oct 29, 2026

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 8, 2024
Property Address	23963 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000086729
Map Reference	MAP 8031
Instrument Date	Mar 20, 2024
Instrument	2024-0086729
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23963 NECTAR WAY, RAMONA, CA 92065-4524

Mortgage

Document Number	0000086730
Date	Apr 8, 2024
Instrument	2024-0086730

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 19, 2021
Property Address	23963 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000800588
Map Reference	MAP 8031
Instrument Date	Nov 19, 2021
Instrument	2021-0800588
Transaction Type	Transfer
Record Updated	Dec 1, 2021
Title Company	LAWYERS TITLE

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
Relationship	Joint Tenants
Address	12073 WORLD TRADE DR UNIT 1, 1, SAN DIEGO, CA 92128-4391

Mortgage

Document Number	0000800589
Date	Nov 19, 2021
Instrument	2021-0800589

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 19, 2021
Property Address	23963 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000800587
Map Reference	MAP 8031
Instrument Date	Nov 2, 2021
Instrument	2021-0800587
Transaction Type	Transfer
Record Updated	Dec 1, 2021
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1968 S COAST HWY, LAGUNA BEACH, CA 92651-3681

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23963 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000399290
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23963 NECTAR WAY RAMONA CA 920654524, RAMONA, CA 92065-4524

Mortgage

Document Number	0000399290
Date	Sep 25, 2018
Instrument	399290

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 24, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$832,318 (+2%) Land $320,119 Building $512,199
2025	$9,641.00 (+18.16%)	$815,999 (+17.3%) Land $313,843 Building $502,156
2023	$8,159.00 (-0.96%)	$695,639 Land $267,551 Building $428,088
2022	$8,238.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2014 · rainfall accumulation

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	Extreme above 99.2% of the US · above 94% of California
Wildfire Likelihood	3% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 282 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

May also be available: San Diego Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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