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26514 Bellbottom Way, Ramona, CA 92065 Property Records

San Diego County property record for 26514 Bellbottom Way, Ramona, CA 92065

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,785 sqft · built 1979
Lot Size0.441 acres (19,201 sqft)
Owner2 Individual Names on File
Last Sale$182,000 (Jun 1998)
Tax Bill$4,013 (2025)
Deeds & MortgagesOct 2026 Line of Credit
Jun 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN288-645-02-00

Property Details

APN / Parcel Number

Primary APN288-645-02-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,785 sqft Living Area

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Lot Area19,201 sqft (0.441 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address26514 BELLBOTTOM WAY
CityRAMONA
StateCA
Zip92065-4825
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR
Legal DescriptionLOT 166 TR 007980
Legal SubdivisionSAN DIEGO COUNTRY ESTATES I
Legal Tract007980
Legal Block1
Legal Lot Number166
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group1
Census Block1000
Census Tract20811

Owner

Source: San Diego County records, as of October 12, 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 Record2 Individual Names on File
Mailing Address26514 BELLBOTTOM WAY, RAMONA, CA 92065-4825
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Oct 2, 2026Deed of Trust, Mortgage · Line of Credit
FREEDOM MORTGAGE CORPORATION
Jun 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 10, 1998 · Amount on File
Deed SaleJun 10, 1998 · Amount on File
Prior SaleSep 7, 1995 · Amount on File
Deed Document Number1998349339
Last Transfer DateOct 22, 2004
Transfer Doc0001080448
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Recording DateOct 2, 2026
Property Address26514 BELLBOTTOM WAY, RAMONA, CA 92065-4825
Document Number0000286906
Instrument DateSep 23, 2026
Instrument2026286906
Transaction TypeMortgage
Record UpdatedOct 12, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address26514 BELLBOTTOM WAY, RAMONA, CA 92065-4825

Mortgage

Document Number0000286906,
DateOct 2, 2026
Instrument2026286906
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Max Rate-1%

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address26514 BELLBOTTOM WAY, RAMONA, CA 92065-4825
Transaction TypeMortgage
Record UpdatedJul 8, 2021
Title CompanyADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address26514 BELLBOTTOM WAY, RAMONA, CA 92065-4825

Mortgage

Document Number0000473103
DateJun 30, 2021
Instrument2021-0473103
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueJul 1, 2036

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona City Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$296,393 (+2%) Land $81,383 Building $215,010
2025$4,013.00 (+8.61%) Homeowner's exemption$290,583 (+4.04%) Land $79,788 Building $210,795
2023$3,695.00 (-3.75%) Homeowner's exemption$279,301 Land $76,691 Building $202,610
2022$3,839.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims3 (2010–2015)
Claims Outside the SFHA3 of 3
Most Recent ClaimJul 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 RiskExtreme
above 97.9% of the US · above 88% of California
Wildfire Likelihood3% annual chance
ExposureDirect
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 SystemRAMONA MUNICIPAL WD
serves 36,455 people · EPA ID CA3710019
Water SourcePurchased surface water from several systems
Last State InspectionOct 2022
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 87 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bellbottom Way

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