San Diego County property record for 2465 Southern Oak Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,586 sqft · built 1999 |
| Lot Size | 1.53 acres (67,082 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $840,000 (Aug 2022) |
| Tax Bill | $9,402 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 285-121-11-00 |
| Primary APN | 285-121-11-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,586 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 67,082 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 2465 SOUTHERN OAK RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-3655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S88 |
| Legal Description | LOT 17 TR 013240 |
| Legal Subdivision | SAN DIEGO 4862-1 |
| Legal Tract | 013240 |
| Legal Block | 3 |
| Legal Lot Number | 17 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 20801 |
2465 Southern Oak Rd is owned and occupied by two individuals who bought it in August 2022.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2465 SOUTHERN OAK RD, RAMONA, CA 92065-3655 |
| 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 |
|---|---|
| Aug 1, 2022 | Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2022 · Amount on File |
| Deed Sale | Aug 1, 2022 · Amount on File |
| Prior Sale | May 18, 1998 · Amount on File |
| Deed Document Number | 2022312377 |
| Prior Transfer Date | May 9, 2013 |
| Prior Transfer Doc | 0000315695 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 1, 2022 |
| Property Address | 2465 SOUTHERN OAK RD, RAMONA, CA 92065-3655 |
| Document Number | 0000312377 |
| Map Reference | MAP 13240 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 2022-0312377 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2465 SOUTHERN OAK RD, RAMONA, CA 92065-3655 |
| Document Number | 0000312378 |
|---|---|
| Date | Aug 1, 2022 |
| Instrument | 2022-0312378 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2465 SOUTHERN OAK RD, RAMONA, CA 92065-3655 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000601161 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 2019-0601161 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 2465 Southern Oak Rd was $9,402 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 | $891,414 (+2%) Land $573,052 Building $318,362 | |
| 2025 | $9,402.00 Homeowner's exemption | $873,936 Land $561,816 Building $312,120 |
| 2023 | $8,460.00 (+64.02%) Homeowner's exemption | $805,000 Land $517,000 Building $288,000 |
| 2022 | $5,158.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2465 Southern Oak Rd in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 2465 Southern Oak Rd is extreme, ranking above 95% 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 95% of the US · above 82% 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.
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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| AT&T DSL | 100 / 20 |
5G (outdoors only) and 4G LTE
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