San Diego County property record for 2851 Willow Oak Dr, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,849 sqft · built 2001 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Company Name on Record |
| Last Sale | $545,000 (Oct 2003) |
| Tax Bill | $8,364 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| APN | 285-150-06-00 |
| Primary APN | 285-150-06-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,849 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 87,120 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 2851 WILLOW OAK DR |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-3664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S88 |
| Legal Description | LOT 52 TR 014045 |
| Legal Subdivision | SAN DIEGO #4862-3 |
| Legal Tract | 014045 |
| Legal Block | 3 |
| Legal Lot Number | 52 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 20801 |
Source: San Diego County records, as of July 28, 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 Record | Company Name on Record |
|---|---|
| Mailing Address | 2851 WILLOW OAK DR, RAMONA, CA 92065-3664 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2003 · Amount on Record |
| Deed Sale | Oct 15, 2003 · Amount on Record |
| Prior Sale | Jan 19, 2001 · Amount on Record |
| Deed Document Number | 20031268065 |
| Last Transfer Date | Jul 19, 2010 |
| Transfer Doc | 0000403025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2851 WILLOW OAK DR, RAMONA, CA 92065-3664 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA |
| Name | Verified Name |
|---|---|
| Address | 2851 WILLOW OAK DR, RAMONA, CA 92065-3664 |
| Document Number | 0000303290 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 2021-0303290 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $790,337 (+2%) Land $297,312 Building $493,025 | |
| 2025 | $8,364.00 (+6.75%) Homeowner's exemption | $774,841 (+4.04%) Land $291,483 Building $483,358 |
| 2023 | $7,835.00 (-0.9%) Homeowner's exemption | $744,755 Land $280,165 Building $464,590 |
| 2022 | $7,906.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 98.1% of the US · above 89% of California |
|---|---|
| Wildfire Likelihood | 3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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 |
| 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.
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 |
5G and 4G LTE (outdoors only)
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