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24428 Rutherford Rd, Ramona, CA 92065 Property Records

San Diego County property record for 24428 Rutherford Rd, Ramona, CA 92065

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,184 sqft · built 1983
Lot Size0.5 acres (21,780 sqft)
OwnerCompany Name on File
Tax Bill$3,476 (2025)
Deeds & MortgagesFeb 2022 Reverse Mortgage
Jun 2021 Reverse Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN288-542-13-00

Property Details

APN / Parcel Number

Primary APN288-542-13-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,184 sqft Living Area

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Lot Area21,780 sqft (0.5 acres)
View / LotGood
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address24428 RUTHERFORD RD
CityRAMONA
StateCA
Zip92065-4028
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR
Legal DescriptionLOT 73 TR 007706
Legal SubdivisionSAN DIEGO COUNTRY ESTATES I
Legal Tract007706
Legal Block1
Legal Lot Number73
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group1
Census Block1008
Census Tract20810

Owner

Source: San Diego County records · APN 288-542-13-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address24428 RUTHERFORD RD, RAMONA, CA 92065-4028
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Feb 15, 2022Deed of Trust, Mortgage · Reverse Mortgage
AMERICAN ADVISORS GROUP
Jun 17, 2021Intrafamily Transfer, Transfer · Reverse Mortgage
AMERICAN ADVISORS GROUP
Jul 26, 2017Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jul 26, 2017Deed of Trust, Mortgage · FHA Mortgage
AMERICAN ADVISORS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateApr 24, 2021
Transfer Doc0000444014
Record UpdatedSep 20, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address24428 RUTHERFORD RD, RAMONA, CA 92065-4028
Transaction TypeMortgage
Record UpdatedAug 01, 2023
Title CompanyTIMIOS TITLE INC, TIMIOS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address24428 RUTHERFORD RD, RAMONA, CA 92065-4028

Mortgage

Document Number0000070859
DateFeb 15, 2022
Instrument2022-0070859
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
AddressIRVINE, CA 92612
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term938 Months
DueApr 21, 2100
Interest
Rate TypeAdjustable Rate
Rate1.79%
AdjustableAdjustable Rate Rider
Change FrequencyMonthly
Index1-Year CMT
Max Rate6.79%

June 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateJun 17, 2021
Property Address24428 RUTHERFORD RD, RAMONA, CA 92065-4028
Document Number0000444014
Map ReferenceMAP 7706
Instrument DateApr 24, 2021
Instrument2021-0444014
Transaction TypeTransfer
Record UpdatedAug 01, 2023
Title CompanyF/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address24428 RUTHERFORD RD, RAMONA, CA 92065-4028

Mortgage

Document Number0000444016
DateJun 17, 2021
Instrument2021-0444016
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term946 Months
DueApr 21, 2100
Interest
Rate TypeAdjustable Rate
Rate1.93%
Index1-Year LIBOR
Max Rate6.93%

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address24428 RUTHERFORD RD, RAMONA, CA 92065-4028
Document Number0000348163
Instrument DateJul 26, 2017
Transaction TypeMortgage
Record UpdatedNov 20, 2018
Title CompanyNATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address24428 RUTHERFORD RD RAMONA CA 920654028, RAMONA, CA 92065-4028

Mortgage

Document Number0000348163
DateAug 01, 2017
Instrument348163
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate4.65%

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address24428 RUTHERFORD RD, RAMONA, CA 92065-4028
Document Number0000348162
Instrument DateJul 26, 2017
Transaction TypeMortgage
Record UpdatedAug 07, 2017
Title CompanyNATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address24428 RUTHERFORD RD RAMONA CA 920654028, RAMONA, CA 92065-4028

Mortgage

Document Number0000348162
DateAug 01, 2017
Instrument348162
Lender
NameAMERICAN ADVISORS
AddressORANGE, CA 92868
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate4.65%

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona City Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$244,530 (+2%) Land $50,626 Building $193,904
2025$3,476.00 (+9.31%) Homeowner's exemption$239,736 (+4.04%) Land $49,634 Building $190,102
2023$3,180.00 (-4.53%) Homeowner's exemption$230,428 Land $47,707 Building $182,721
2022$3,331.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims4 (2005–2015)
Claims Outside the SFHA4 of 4
Most Recent ClaimJul 2015 · rainfall accumulation

Wildfire

Wildfire RiskVery High
above 94% of the US · above 79% of California
Wildfire Likelihood2% annual chance
ExposureDirect
burnable vegetation at the parcel

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100

Based on FCC filings for 46 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemRAMONA MUNICIPAL WD
serves 36,455 people
Water SourcePurchased surface water from several systems
Last State InspectionOct 2022
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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