2570 Howell St, Ramona, CA 92065 Property Records

San Diego County property record for 2570 Howell St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,974 sqft · built 1973
Lot Size	1.18 acres (51,401 sqft)
Owner	Company Name on Record
Tax Bill	$2,033 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`282-040-34-00`

Property Details

APN / Parcel Number

Primary APN	`282-040-34-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,974 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	51,401 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	2570 HOWELL ST
City	RAMONA
State	CA
Zip	92065-3850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 20-13-1E E H DOC98800REC72 IN TR 000863
Legal Range	01E
Legal Township	13
Legal Section	20
Legal Subdivision	RANCHO SANTA FE
Legal Tract	000863
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2031
Census Tract	20805

Owner

Source: San Diego County records, as of October 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 841, RAMONA, CA 92065-0841
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 27, 2020	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 27, 2005
Transfer Doc	0000481942
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2570 HOWELL ST, RAMONA, CA 92065-3850
Document Number	0000423104
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2570 HOWELL ST RAMONA CA 920653850, RAMONA, CA 92065-3850
Investor	Possibly a Property Investor

Mortgage

Document Number	0000423104
Date	Jul 31, 2020
Instrument	423104

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	840 Months
Due	Jul 30, 2090

Interest

Rate Type	Adjustable Rate
Rate	2.97%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2570 HOWELL ST, RAMONA, CA 92065-3850
Document Number	0000423103
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2570 HOWELL ST RAMONA CA 920653850, RAMONA, CA 92065-3850
Investor	Possibly a Property Investor

Mortgage

Document Number	0000423103
Date	Jul 31, 2020
Instrument	423103

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74133

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.97%

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		$181,304 (+2%) Land $50,103 Building $131,201
2025	$2,033.00 (+15.25%) Homeowner's exemption	$177,750 (+4.04%) Land $49,121 Building $128,629
2023	$1,764.00 (-8.36%) Homeowner's exemption	$170,849 Land $47,214 Building $123,635
2022	$1,925.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	15 (1980–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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	High above 83% of the US · above 62% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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