264 Ramona Real, Ramona, CA 92065 Property Records

San Diego County property record for 264 Ramona Real, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,469 sqft · built 2000
Lot Size	4.13 acres (179,903 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,000 (Oct 2000)
Tax Bill	$6,032 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`279-121-38-00`

Property Details

APN / Parcel Number

Primary APN	`279-121-38-00`
Alternative APN	`2791213500`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,469 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	179,903 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2791213500
Street Address	264 RAMONA REAL
City	RAMONA
State	CA
Zip	92065-5537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	REMAINDER PAR PAR B PER DOC99-120134 IN PAR 4&IN TR PM17972
Legal Subdivision	PARCEL MAP NO 17972
Legal Tract	1017972
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1013
Census Tract	20807

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	264 RAMONA REAL, RAMONA, CA 92065-5537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2000 · Amount on Record
Deed Sale	Oct 3, 2000 · Amount on Record
Deed Document Number	2000528846
Last Transfer Date	Apr 18, 2016
Transfer Doc	0000192452
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	264 RAMONA REAL, RAMONA, CA 92065-5537
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 RAMONA REAL, RAMONA, CA 92065-5537

Mortgage

Document Number	0000067814
Date	Feb 26, 2019
Instrument	2019-0067814

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	264 RAMONA REAL, RAMONA, CA 92065-5537
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000435820
Date	Oct 1, 2019
Instrument	2019-0435820

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	264 RAMONA REAL, RAMONA, CA 92065-5537
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 RAMONA REAL, RAMONA, CA 92065-5537

Mortgage

Document Number	0000359412
Date	May 10, 2021
Instrument	2021-0359412

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

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		$560,825 (+2%) Land $215,167 Building $345,658
2025	$6,032.00 (+7.71%) Homeowner's exemption	$549,830 (+4.04%) Land $210,949 Building $338,881
2023	$5,600.00 (-1.84%) Homeowner's exemption	$528,481 Land $202,758 Building $325,723
2022	$5,705.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & Flooding

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 97.2% of the US · above 86% 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.

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 38 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: AT&T, Verizon.

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