2850 Willow Oak Dr, Ramona, CA 92065 Property Records

San Diego County property record for 2850 Willow Oak Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,849 sqft · built 2001
Lot Size	2.86 acres (124,582 sqft)
Owner	2 Individual Names on File
Last Sale	$889,000 (Mar 2020)
Tax Bill	$10,543 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage May 2017 Line of Credit + 3 more
APN	`285-150-13-00`

Property Details

APN / Parcel Number

Primary APN	`285-150-13-00`

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 2001
Effective Year Built	Effective 2001
Lot Area	124,582 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2850 WILLOW OAK DR
City	RAMONA
State	CA
Zip	92065-3663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S88
Legal Description	LOT 59 TR 014045
Legal Subdivision	SAN DIEGO 4862-3
Legal Tract	014045
Legal Block	3
Legal Lot Number	59
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3008
Census Tract	20801

Owner

2850 Willow Oak Dr is owned and occupied by two individuals who bought it in March 2020.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663
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
Oct 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
May 8, 2017	Deed of Trust, Mortgage · Line of Credit CABRILLO CU
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC
Mar 17, 2020	Grant Deed, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2020 · Amount on File
Deed Sale	Mar 17, 2020 · Amount on File
Prior Sale	Feb 8, 2001 · Amount on File
Deed Document Number	2020139028
Prior Transfer Date	Jan 27, 2003
Prior Transfer Doc	0000123797
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663

Mortgage

Document Number	0000284785
Date	Oct 19, 2023
Instrument	2023-0284785

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204320
Date	May 8, 2017
Instrument	2017-0204320

Lender

Name	CABRILLO CU
Type	Credit Union
Address	SAN DIEGO, CA 92131

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663

Mortgage

Document Number	0000359939
Date	May 11, 2021
Instrument	2021-0359939

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663

Mortgage

Document Number	0000101582
Date	Mar 7, 2022
Instrument	2022-0101582

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 17, 2020
Property Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663
Document Number	0000139028
Map Reference	MAP 14045
Instrument Date	Feb 20, 2020
Instrument	2020-0139028
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	TICOR TITLE CO SD BRANCH

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	2850 WILLOW OAK DR, RAMONA, CA 92065-3663

Mortgage

Document Number	0000139029
Date	Mar 17, 2020
Instrument	2020-0139029

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2850 Willow Oak Dr was $10,543.

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		$991,690 (+2%) Land $386,796 Building $604,894
2025	$10,543.00	$972,246 Land $379,212 Building $593,034
2023	$9,928.00 (-0.42%)	$934,494 Land $364,488 Building $570,006
2022	$9,970.00

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

Flood

FEMA has no flood map on file for 2850 Willow Oak Dr; 1 flood insurance policy is in force nearby.

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

Wildfire risk around 2850 Willow Oak Dr is extreme, ranking above 99.3% of the US, with a 4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 99.3% of the US · above 95% of California
Wildfire Likelihood	4% 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 9 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 and 4G LTE (outdoors only)

Nearby Properties on Willow Oak Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures