2428 Raymond Ave, Ramona, CA 92065 Property Records

San Diego County property record for 2428 Raymond Ave, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,854 sqft · built 1986
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Mar 1997)
Tax Bill	$4,463 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`282-241-68-00`

Property Details

APN / Parcel Number

Primary APN	`282-241-68-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,854 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	37,462 sqft (0.86 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2428 RAYMOND AVE
City	RAMONA
State	CA
Zip	92065-3040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 4 TR PM11520
Legal Subdivision	PARCEL MAP NO 11520
Legal Tract	11520
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1006
Census Tract	20805

Owner

2428 Raymond Ave is owned and occupied by two individuals who bought it in March 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	2428 RAYMOND AVE, RAMONA, CA 92065-3040
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
Feb 25, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 11, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 15, 2020	Deed of Trust, Mortgage · VA Mortgage WEST COAST FUNDING & REAL ESTATE SVCS WEST COAST FUNDING & REAL ESTATE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 1997 · Amount on File
Deed Sale	Mar 28, 1997 · Amount on File
Prior Sale	Dec 31, 1985 · Amount on File
Deed Document Number	1997143120
Prior Transfer Date	Mar 5, 1997
Prior Transfer Doc	0000143119
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2428 RAYMOND AVE, RAMONA, CA 92065-3040
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 RAYMOND AVE, RAMONA, CA 92065-3040

Mortgage

Document Number	0000086924
Date	Feb 25, 2022
Instrument	2022-0086924

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2428 RAYMOND AVE, RAMONA, CA 92065-3040
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125707
Date	Mar 11, 2020
Instrument	2020-0125707

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	315 Months
Due	Jun 1, 2046

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2428 RAYMOND AVE, RAMONA, CA 92065-3040
Document Number	0000822502
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2428 RAYMOND AVE RAMONA CA 920653040, RAMONA, CA 92065-3040

Mortgage

Document Number	0000822502
Date	Dec 21, 2020
Instrument	822502

Lender

Name	WEST COAST FUNDING & REAL ESTATE SVCS WEST COAST FUNDING & REAL ESTATE SVCS
Type	Bank
Address	SAN DIEGO, CA 92131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2428 Raymond Ave was $4,463 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		$336,658 (+2%) Land $94,417 Building $242,241
2025	$4,463.00 Homeowner's exemption	$330,058 Land $92,566 Building $237,492
2023	$4,127.00 (-4.89%) Homeowner's exemption	$317,243 Land $88,972 Building $228,271
2022	$4,339.00

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

Flood

FEMA maps place 2428 Raymond Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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	2 (2010–2019)
Most Recent Claim	Feb 2019 · 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.

Wildfire

Wildfire risk around 2428 Raymond Ave is high, ranking above 80% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 57% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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