2704 Luelf St, Ramona, CA 92065 Property Records

San Diego County property record for 2704 Luelf St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,849 sqft · built 1997
Lot Size	2.53 acres (110,642 sqft)
Owner	2 Company Names on Record
Last Sale	$1,050,000 (Aug 2021)
Tax Bill	$9,154 (2025)
Deeds & Mortgages	Dec 2023 Transfer Aug 2021 Sale + 8 more
APN	`285-121-17-00`

Property Details

APN / Parcel Number

Primary APN	`285-121-17-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,849 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	110,642 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2704 LUELF ST
City	RAMONA
State	CA
Zip	92065-3653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S88
Legal Description	LOT 23 TR 013240
Legal Subdivision	SAN DIEGO 4862-1
Legal Tract	013240
Legal Block	3
Legal Lot Number	23
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3008
Census Tract	20801

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 Company Names on Record
Mailing Address	2704 LUELF ST, RAMONA, CA 92065-3653
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Intrafamily Transfer, Transfer
Aug 30, 2021	Grant Deed, Transfer CALIFORNIA TITLE COMPANY
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 18, 2021	Grant Deed, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jan 20, 2021	Quit Claim Deed, Transfer WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO
Jan 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BAY EQUITY LLC
May 5, 2020	Quit Claim Deed, Transfer LOANLOCK
Dec 15, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Dec 16, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANLOCK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Feb 18, 2021 · Amount on Record
Deed Document Number	2021615960
Last Transfer Date	Dec 12, 2023
Transfer Doc	0000348425
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 20, 2023
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000348425
Map Reference	MAP 13240
Instrument Date	Dec 12, 2023
Instrument	2023-0348425
Transaction Type	Transfer
Record Updated	Jan 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2704 LUELF ST, RAMONA, CA 92065-3653

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2021
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000615960
Map Reference	MAP 13240
Instrument Date	Aug 4, 2021
Instrument	2021-0615960
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
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	2704 LUELF ST, RAMONA, CA 92065-3653
Investor	Possibly a Property Investor

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Transaction Type	Mortgage
Record Updated	Jun 10, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2704 LUELF ST, RAMONA, CA 92065-3653

Mortgage

Document Number	0000328191
Date	Apr 28, 2021
Instrument	2021-0328191

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 18, 2021
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000125455
Map Reference	MAP 13240
Instrument Date	Jan 25, 2021
Instrument	2021-0125455
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	2704 LUELF ST, RAMONA, CA 92065-3653

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 20, 2021
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000041567
Instrument Date	Jan 14, 2021
Instrument	41567
Transaction Type	Transfer
Record Updated	Jan 28, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	19348 VIA CUESTA RAMONA CA 920655829, RAMONA, CA 92065-5829

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 19, 2021
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000037018
Map Reference	MAP 13240
Instrument Date	Jan 14, 2021
Instrument	2021-0037018
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19348 VIA CUESTA, RAMONA, CA 92065-5829

Mortgage

Document Number	0000037019
Date	Jan 19, 2021
Instrument	2021-0037019

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 5, 2020
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000227920
Instrument Date	Apr 8, 2020
Instrument	227920
Transaction Type	Transfer
Record Updated	May 13, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2704 LUELF ST RAMONA CA 920653653, RAMONA, CA 92065-3653

Mortgage

Document Number	227922
Date	May 5, 2020
Instrument	227922

Lender

Name	LOANLOCK
Address	SANTA ANA, CA 92707

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 4, 2035

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000001673
Instrument Date	Dec 15, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2704 LUELF ST RAMONA CA 920653653, RAMONA, CA 92065-3653

Mortgage

Document Number	0000001673
Date	Jan 3, 2019
Instrument	1673

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000611081
Instrument Date	Dec 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2704 LUELF ST RAMONA CA 920653653, RAMONA, CA 92065-3653

Mortgage

Document Number	0000611081
Date	Dec 28, 2017
Instrument	611081

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2704 LUELF ST, RAMONA, CA 92065-3653
Document Number	0000495493
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2704 LUELF ST RAMONA CA 920653653, RAMONA, CA 92065-3653

Mortgage

Document Number	0000495493
Date	Oct 24, 2017
Instrument	495493

Lender

Name	LOANLOCK
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2047

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		$865,461 (+2%) Land $329,740 Building $535,721
2025	$9,154.00 (+5.62%) Homeowner's exemption	$848,492 (+4.04%) Land $323,275 Building $525,217
2023	$8,667.00 (-0.69%)	$815,546 Land $310,723 Building $504,823
2022	$8,727.00

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 97.3% of the US · above 86% of California
Wildfire Likelihood	3% 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 46 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

Cell Coverage

5G (outdoors only) and 4G LTE

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