San Diego County property record for 24539 Novato Pl, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,465 sqft |
| Lot Size | 0.551 acres (23,982 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $504,000 (Jan 2016) |
| Tax Bill | $7,248 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-481-18-00 |
| Primary APN | 288-481-18-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,465 sqft Living Area |
| Lot Area | 23,982 sqft (0.551 acres) |
|---|---|
| Parking Spaces | 2 Parking Spaces |
| Street Address | 24539 NOVATO PL |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-4168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 722 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 1 |
| Legal Lot Number | 722 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 20810 |
24539 Novato Pl is owned and occupied by two individuals who bought it in January 2016.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 24539 NOVATO PL, RAMONA, CA 92065-4168 |
| 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.
| Date | Document |
|---|---|
| Sep 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FINANCE INC |
| Apr 19, 2023 | Deed of Trust, Mortgage · Line of Credit MISSION FCU |
| Jan 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC |
| Sep 25, 2019 | Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2016 · Amount on File |
| Deed Sale | Jan 15, 2016 · Amount on File |
| Prior Sale | Aug 2, 2006 · Amount on File |
| Deed Document Number | 201619389 |
| Prior Transfer Date | Nov 5, 2007 |
| Prior Transfer Doc | 0000726439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 24539 NOVATO PL, RAMONA, CA 92065-4168 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 24539 NOVATO PL, RAMONA, CA 92065-4168 |
| Document Number | 0000630535 |
|---|---|
| Date | Sep 7, 2021 |
| Instrument | 2021-0630535 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 24539 NOVATO PL, RAMONA, CA 92065-4168 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 24539 NOVATO PL, RAMONA, CA 92065-4168 |
| Document Number | 0000101743 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | 2023-0101743 |
| Name | MISSION FCU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92191 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 30, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 24539 NOVATO PL, RAMONA, CA 92065-4168 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 24539 NOVATO PL, RAMONA, CA 92065-4168 |
| Document Number | 0000002122 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 2021-0002122 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 24539 NOVATO PL, RAMONA, CA 92065-4168 |
| Document Number | 0000441701 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 24539 NOVATO PL RAMONA CA 920654168, RAMONA, CA 92065-4168 |
| Document Number | 0000441701 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 441701 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 2, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 24539 Novato Pl was $7,248 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $608,557 (+2%) Land $267,511 Building $341,046 | |
| 2025 | $7,248.00 Homeowner's exemption | $596,625 Land $262,266 Building $334,359 |
| 2023 | $6,797.00 (-1.42%) Homeowner's exemption | $573,459 Land $252,083 Building $321,376 |
| 2022 | $6,895.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 24539 Novato Pl 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 risk around 24539 Novato Pl is very high, ranking above 91% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 91% of the US · above 74% of California |
|---|---|
| Wildfire Likelihood | 1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 264 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 · Fiber in parts of the area | 100 / 20 |
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