San Diego County property record for 24545 Starlight Mountain Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,369 sqft |
| Lot Size | 13.6 acres (593,287 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Apr 2022) |
| Tax Bill | $8,482 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2022 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 287-020-46-00 |
| Primary APN | 287-020-46-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,369 sqft Living Area |
| Lot Area | 593,287 sqft |
|---|---|
| Parking Spaces | 2 Parking Spaces |
| Street Address | 24545 STARLIGHT MOUNTAIN RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-6780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A72 |
| Legal Description | PAR 3 TR PM12289 |
| Legal Tract | 12289 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20810 |
Source: San Diego County records, as of July 21, 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 | 24545 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6780 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed of Trust, Mortgage · Line of Credit BANNER BANK |
| Apr 1, 2022 | Grant Deed, Construction Loan · Construction Mortgage BANNER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2022 · Amount on Record |
| Deed Sale | Apr 1, 2022 · Amount on Record |
| Prior Sale | Feb 28, 2014 · Amount on Record |
| Deed Document Number | 2022144526 |
| Prior Transfer Date | Feb 12, 2014 |
| Prior Transfer Doc | 0000082944 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 20, 2026 |
| Property Address | 24545 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6780 |
| Document Number | 0000206450 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 2026206450 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 24545 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6780 |
| Document Number | 0000206450, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 2026206450 |
| Name | BANNER BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 1, 2022 |
| Property Address | 24545 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6780 |
| Document Number | 0000144526 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022-0144526 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 22, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 500 W HARBOR DR UNIT 1607, 1607, SAN DIEGO, CA 92101-7735 |
| Document Number | 0000144527 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 2022-0144527 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Max Rate | 8.62% |
Source: San Diego County assessment roll, as of July 21, 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 | $822,436 (+2%) Land $286,526 Building $535,910 | |
| 2025 | $8,482.00 (+48.89%) | $806,310 (+49.04%) Land $280,908 Building $525,402 |
| 2023 | $5,697.00 (+1,448.1%) | $541,000 Land $270,000 Building $271,000 |
| 2022 | $368.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 98.7% of the US · above 91% 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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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