23969 Nectar Way, Ramona, CA 92065 Property Records

San Diego County property record for 23969 Nectar Way, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,623 sqft · built 1988
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$878,000 (Aug 2026)
Tax Bill	$9,473 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2026 Construction Loan + 6 more
Flood Zone	Zone X (minimal risk)
APN	`288-672-08-00`

Property Details

APN / Parcel Number

Primary APN	`288-672-08-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,623 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	24,829 sqft (0.57 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	23969 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 227 TR 008031
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	008031
Legal Block	2
Legal Lot Number	227
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 August 13, 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	23969 NECTAR WAY, RAMONA, CA 92065-4524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Grant Deed, Transfer · VA Mortgage THE TURNKEY FOUNDATION INC
May 1, 2026	Deed of Trust, Mortgage · Construction Mortgage NONE LISTED ON DOCUMENT
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 24, 2023	Intrafamily Transfer, Transfer
Sep 16, 2022	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jun 29, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Jun 29, 2020	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
May 25, 2017	Grant Deed, Transfer · ARM MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	Sep 16, 2022 · Amount on Record
Deed Document Number	2026226804
Prior Transfer Date	Feb 24, 2023
Prior Transfer Doc	0000047858
Record Updated	Sep 20, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 5, 2026
Property Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000226804
Instrument Date	Jul 30, 2026
Instrument	2026226804
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$97,545.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	23969 NECTAR WAY, RAMONA, CA 92065-4524

Mortgage

Document Number	0000226805,
Date	Aug 5, 2026
Instrument	2026226805

Lender

Name	THE TURNKEY FOUNDATION INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2026
Property Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000124862
Instrument Date	Apr 20, 2026
Instrument	2026124862
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Investor	Possibly a Property Investor

Mortgage

Document Number	0000124862,
Date	May 1, 2026
Instrument	2026124862

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Aug 20, 2026

Interest

Rate Type	Balloon
Rate	6.22%
Initial Type	Balloon
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Investor	Possibly a Property Investor

Mortgage

Document Number	0000767883
Date	Nov 4, 2021
Instrument	2021-0767883

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 24, 2023
Property Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000047858
Map Reference	MAP 8031
Instrument Date	Feb 24, 2023
Instrument	2023-0047858
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	23969 NECTAR WAY, RAMONA, CA 92065-4524

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2022
Property Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000366374
Map Reference	MAP 8031
Instrument Date	Aug 29, 2022
Instrument	2022-0366374
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	23969 NECTAR WAY, RAMONA, CA 92065-4524

Mortgage

Document Number	0000366375
Date	Sep 16, 2022
Instrument	2022-0366375

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 29, 2020
Property Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000339694
Instrument Date	May 21, 2020
Instrument	339694
Transaction Type	Transfer
Record Updated	Jul 9, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	23969 NECTAR WAY RAMONA CA 920654524, RAMONA, CA 92065-4524

Mortgage

Document Number	339696
Date	Jun 29, 2020
Instrument	339696

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 29, 2020
Property Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000339695
Instrument Date	May 19, 2020
Instrument	339695
Transaction Type	Transfer
Record Updated	Jul 9, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	23969 NECTAR WAY RAMONA CA 920654524, RAMONA, CA 92065-4524

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 25, 2017
Property Address	23969 NECTAR WAY, RAMONA, CA 92065-4524
Document Number	0000236729
Map Reference	MAP8031
Instrument Date	May 3, 2017
Instrument	2017-0236729
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

Transaction

Amount	Amount Recorded
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	23969 NECTAR WAY, RAMONA, CA 92065-4524

Mortgage

Document Number	0000236730
Date	May 25, 2017
Instrument	2017-0236730

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	2.12%
Max Rate At Change	4.12%
Index	1-Year CMT
Margin	2
Max Rate	5%

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		$816,068 (+2%) Land $424,483 Building $391,585
2025	$9,473.00 (-0.17%)	$800,067 (+7.54%) Land $416,160 Building $383,907
2024	$9,489.00 (+9.46%)
2023	$8,669.00 (+7.62%)	$744,000 Land $386,000 Building $358,000
2022	$8,055.00

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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