24158 Rutherford Rd, Ramona, CA 92065 Property Records

San Diego County property record for 24158 Rutherford Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,593 sqft · built 1993
Lot Size	0.405 acres (17,635 sqft)
Owner	2 Individual Names on File
Last Sale	$423,000 (Jul 2003)
Tax Bill	$7,299 (2025)
Deeds & Mortgages	Oct 2023 Reverse Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288-562-14-00`

Property Details

APN / Parcel Number

Primary APN	`288-562-14-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,593 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	17,635 sqft (0.405 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	24158 RUTHERFORD RD
City	RAMONA
State	CA
Zip	92065-4057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 95 TR 007706
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007706
Legal Block	1
Legal Lot Number	95
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1008
Census Tract	20810

Owner

24158 Rutherford Rd is owned and occupied by two individuals who bought it in July 2003.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	24158 RUTHERFORD RD, RAMONA, CA 92065-4057
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Reverse Mortgage TRADITIONAL MORTGAGE ACCEPTANCE CORP
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOVEREIGN LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2003 · Amount on File
Deed Sale	Jul 10, 2003 · Amount on File
Prior Sale	Jul 2, 1992 · Amount on File
Deed Document Number	2003822348
Prior Transfer Date	Jul 2, 1996
Prior Transfer Doc	0000494619
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	24158 RUTHERFORD RD, RAMONA, CA 92065-4057
Transaction Type	Mortgage
Record Updated	Oct 25, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24158 RUTHERFORD RD, RAMONA, CA 92065-4057

Mortgage

Document Number	0000280904
Date	Oct 16, 2023
Instrument	2023-0280904

Lender

Name	TRADITIONAL MORTGAGE ACCEPTANCE CORP
Type	Subprime Lender
Address	BELLEVUE, WA 98004

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.69%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.6%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	24158 RUTHERFORD RD, RAMONA, CA 92065-4057
Document Number	0000452543
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	24158 RUTHERFORD RD RAMONA CA 920654057, RAMONA, CA 92065-4057

Mortgage

Document Number	0000452543
Date	Aug 13, 2020
Instrument	452543

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 24158 Rutherford Rd was $7,299 with a homeowner's exemption.

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		$613,413 (+2%) Land $203,019 Building $410,394
2025	$7,299.00 Homeowner's exemption	$601,387 Land $199,039 Building $402,348
2023	$6,845.00 (-1.4%) Homeowner's exemption	$578,036 Land $191,311 Building $386,725
2022	$6,942.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 24158 Rutherford Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2005.

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	5 in force
Nearby Flood Claims	4 (2005–2015)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2015 · 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

Wildfire risk around 24158 Rutherford Rd is extreme, ranking above 96% of the US, with a 2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 96% of the US · above 83% of California
Wildfire Likelihood	2% 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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