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2560 Main St, Ramona, CA 92065 Property Records

San Diego County property record for 2560 Main St, Ramona, CA 92065 · Last verified July 2026

Property Summary

Property TypeAuto Repair, Garage
Details5,076 sqft · built 1981
Lot Size0.68 acres (29,621 sqft)
OwnerCompany Name on File
Last Sale$1,520,000 (Dec 2024)
Tax Bill$16,270 (2025)
Deeds & MortgagesDec 2021 Construction Loan
Apr 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN282-201-01-00

Property Details

APN / Parcel Number

Primary APN282-201-01-00

Interior

Building Area5,076 sqft Total Area

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Lot Area29,621 sqft (0.68 acres)

Location & Zoning

Street Address2560 MAIN ST
CityRAMONA
StateCA
Zip92065-2555
Property CategoryCommercial
Property TypeCommercial > Retail > Auto Repair, Garage
Legal DescriptionLOT 9 (EX ST WID) TR 002155
Legal SubdivisionRAMONA ACRES
Legal Tract002155
Legal Block2
Legal Lot Number9
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group2
Census Block2062
Census Tract20805

Owner

Source: San Diego County records · APN 282-201-01-00

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 Address2560 MAIN ST, RAMONA, CA 92065-2555
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Dec 14, 2021Deed of Trust, Mortgage · Construction Mortgage
SMARTER CAPITAL INVESTMENTS LLC
Apr 01, 2020Grant Deed, Transfer · Conventional Mortgage
HOME BK/CA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 26, 2024 · Amount on Record
Deed SaleDec 26, 2024 · Amount on Record
Prior SaleApr 01, 2020 · Amount on Record
Deed Document Number2024355938
Prior Transfer DateDec 16, 2024
Prior Transfer Doc0000355937
Record UpdatedSep 20, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2560 MAIN ST, RAMONA, CA 92065-2555
Transaction TypeMortgage
Record UpdatedSep 28, 2023
Title CompanyFIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

NameVerified Name
Address12424 LAKESHORE DR, LAKESIDE, CA 92040-3102

Mortgage

Document Number0000844445
DateDec 14, 2021
Instrument2021-0844445
Lender
NameSMARTER CAPITAL INVESTMENTS LLC
TypeNon-Lending Institution
AddressDEL MAR, CA 92014
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateApr 01, 2020
Property Address2560 MAIN ST, RAMONA, CA 92065-2555
Document Number0000167474
Instrument DateMar 26, 2020
Instrument167474
Transaction TypeTransfer
Record UpdatedApr 16, 2020
Title CompanyCHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,282.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address12424 LAKESHORE DR LAKESIDE CA 920403102, LAKESIDE, CA 92040-3102

Mortgage

Document Number167475
DateApr 01, 2020
Instrument167475
Lender
NameHOME BK/CA
TypeBank
AddressSAN DIEGO, CA 92123
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

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$1,550,400 (+2%) Land $918,000 Building $632,400
2025$16,270.00 (+21.45%)$1,520,000 (+24.12%) Land $900,000 Building $620,000
2024$13,397.00 (+3.64%)
2023$12,926.00 (+0.02%)$1,224,621 Land $840,942 Building $383,679
2022$12,923.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims15 (1980–2023)
Claims Outside the SFHA3 of 15
Most Recent ClaimJan 2023, rainfall accumulation, Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims
  • Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

Wildfire

Wildfire RiskModerate
above 64% of the US · above 39% of California
Wildfire LikelihoodAbout 1 in 441 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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, availability as of December 31, 2025 · Published October 2026 · based on 180 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
San Diego BroadbandFixed Wireless (unlicensed)500 / 100
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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