2743 Ortega Rd, Ramona, CA 92065 Property Records

San Diego County property record for 2743 Ortega Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,630 sqft · built 2014
Lot Size	2.26 acres (98,446 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Nov 2014)
Tax Bill	$8,302 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`244-142-12-00`

Property Details

APN / Parcel Number

Primary APN	`244-142-12-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,630 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	98,446 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2743 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 30 TR 014371
Legal Subdivision	RAMONA 4844-1
Legal Tract	014371
Legal Block	1
Legal Lot Number	30
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1013
Census Tract	20807

Owner

2743 Ortega Rd is owned and occupied by two individuals who bought it in November 2014.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2743 ORTEGA RD, RAMONA, CA 92065-5585
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2017	Deed of Trust, Mortgage · ARM SAN DIEGO COUNTY CU
Jul 18, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2014 · Amount on File
Deed Sale	Nov 24, 2014 · Amount on File
Prior Sale	Jun 7, 2013 · Amount on File
Deed Document Number	2014512868
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2743 ORTEGA RD, RAMONA, CA 92065-5585
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041526
Date	Jan 26, 2017
Instrument	2017-0041526

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2743 ORTEGA RD, RAMONA, CA 92065-5585
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000291617
Date	Jul 18, 2018
Instrument	2018-0291617

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2743 ORTEGA RD, RAMONA, CA 92065-5585
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	2743 ORTEGA RD, RAMONA, CA 92065-5585

Mortgage

Document Number	0000656723
Date	Sep 16, 2021
Instrument	2021-0656723

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2743 Ortega Rd was $8,302.

Source: San Diego County assessment roll, as of July 21, 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		$776,618 (+2%) Land $245,174 Building $531,444
2025	$8,302.00	$761,391 Land $240,367 Building $521,024
2023	$7,778.00 (-0.93%)	$731,827 Land $231,034 Building $500,793
2022	$7,851.00

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

Flood

FEMA maps place 2743 Ortega Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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 File 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

Wildfire risk around 2743 Ortega Rd is extreme, ranking above 98.4% of the US, with a 3% annual chance of 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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