24848 Starlight Mountain Rd, Ramona, CA 92065 Property Records

San Diego County property record for 24848 Starlight Mountain Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,004 sqft
Lot Size	12.8 acres (557,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,110,000 (Jan 2026)
Tax Bill	$9,290 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage May 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`287-020-63-00`

Property Details

APN / Parcel Number

Primary APN	`287-020-63-00`
Alternative APN	`2870205900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,004 sqft Living Area

Exterior

Lot Area	557,568 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2870205900
Street Address	24848 STARLIGHT MOUNTAIN RD
City	RAMONA
State	CA
Zip	92065-6793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A72
Legal Description	PAR 1 PAR A PER DOC06-0026287 IN TR PM12109
Legal Tract	1012109
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1008
Census Tract	20810

Owner

Source: San Diego County records, as of July 28, 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	24848 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6793
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Grant Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 1, 2024	Intrafamily Transfer, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2026 · Amount on Record
Deed Sale	Jan 5, 2026 · Amount on Record
Prior Sale	May 1, 2024
Deed Document Number	20261897
Prior Transfer Date	Aug 19, 2009
Prior Transfer Doc	0000465636
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 5, 2026
Property Address	24848 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6793
Document Number	0000001897
Instrument Date	Nov 12, 2025
Instrument	2026-0001897
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	24848 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6793

Mortgage

Document Number	0000001898
Date	Jan 5, 2026
Instrument	2026-0001898

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2024
Property Address	24848 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6793
Document Number	0000109155
Instrument Date	Apr 23, 2024
Instrument	2024-0109155
Transaction Type	Transfer
Record Updated	May 9, 2024
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	24848 STARLIGHT MOUNTAIN RD, RAMONA, CA 92065-6793

Mortgage

Document Number	0000109156
Date	May 1, 2024
Instrument	2024-0109156

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

Tax Assessment & Valuation

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		$908,011 (+2%) Land $336,299 Building $571,712
2025	$9,290.00 (+2.1%) Homeowner's exemption	$890,207 (+4.04%) Land $329,705 Building $560,502
2024	$9,099.00 (+1.89%)
2023	$8,930.00 (+1.52%) Homeowner's exemption	$855,641 Land $316,903 Building $538,738
2022	$8,796.00

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

Flood

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

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

Wildfire Risk	Extreme above 99.4% of the US · above 96% of California
Wildfire Likelihood	4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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