2731 Ortega Rd, Ramona, CA 92065 Property Records

San Diego County property record for 2731 Ortega Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,197 sqft · built 2012
Lot Size	4.43 acres (192,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,275,000 (Mar 2025)
Tax Bill	$11,527 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`244-140-07-00`

Property Details

APN / Parcel Number

Primary APN	`244-140-07-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,197 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	192,971 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2731 ORTEGA RD
City	RAMONA
State	CA
Zip	92065-5585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 31 TR 014371
Legal Subdivision	RAMONA 4844-1
Legal Tract	014371
Legal Block	1
Legal Lot Number	31
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	2731 ORTEGA RD, RAMONA, CA 92065-5585
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit STAR ONE CU
Nov 18, 2021	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 30, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Nov 18, 2021 · Amount on Record
Deed Document Number	202560377
Prior Transfer Date	Dec 17, 2013
Prior Transfer Doc	0000723712
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2731 ORTEGA RD, RAMONA, CA 92065-5585
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2731 ORTEGA RD, RAMONA, CA 92065-5585

Mortgage

Document Number	0000403172
Date	Oct 18, 2022
Instrument	2022-0403172

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Dec 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 18, 2021
Property Address	2731 ORTEGA RD, RAMONA, CA 92065-5585
Document Number	0000795889
Map Reference	MAP 14371
Instrument Date	Oct 15, 2021
Instrument	2021-0795889
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Community Property with Right of Survivorship
Address	2731 ORTEGA RD, RAMONA, CA 92065-5585

Mortgage

Document Number	0000795890
Date	Nov 18, 2021
Instrument	2021-0795890

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2731 ORTEGA RD, RAMONA, CA 92065-5585
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169793
Date	Apr 30, 2018
Instrument	2018-0169793

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 30, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,300,500 (+21.64%) Land $714,000 Building $586,500
2025	$11,527.00 (+9.01%) Homeowner's exemption	$1,069,112 (+6.95%) Land $334,275 Building $734,837
2023	$10,574.00 (-0.3%) Homeowner's exemption	$999,599 Land $321,296 Building $678,303
2022	$10,606.00

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 98.4% of the US · above 90% 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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