324 Sawday Rd, Ramona, CA 92065 Property Records

San Diego County property record for 324 Sawday Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,535 sqft · built 1991
Lot Size	2.48 acres (108,464 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (Aug 2022)
Tax Bill	$8,614 (2025)
Deeds & Mortgages	Aug 2022 Transfer Aug 2022 Transfer + 4 more
Flood Zone	Zone AE (high risk)
APN	`282-040-01-00`

Property Details

APN / Parcel Number

Primary APN	`282-040-01-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,535 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	108,464 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	324 SAWDAY RD
City	RAMONA
State	CA
Zip	92065-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 20-13-1E POR TR 000863
Legal Range	01E
Legal Township	13
Legal Section	20
Legal Subdivision	RANCHO SANTA FE
Legal Tract	000863
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2033
Census Tract	20805

Owner

324 Sawday Rd is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	324 SAWDAY RD, RAMONA, CA 92065-1628
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
Aug 17, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE
Aug 17, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO
Aug 17, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO
Aug 17, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 10, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2022 · Amount on File
Deed Sale	Aug 17, 2022 · Amount on File
Prior Sale	Oct 1, 1997 · Amount on File
Deed Document Number	2022332867
Prior Transfer Date	Aug 10, 2022
Prior Transfer Doc	0000332866
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 17, 2022
Property Address	324 SAWDAY RD, RAMONA, CA 92065-1628
Document Number	0000332866
Instrument Date	Aug 10, 2022
Instrument	2022-0332866
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIDELITY NATIONAL TITLE

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
Address	324 SAWDAY RD, RAMONA, CA 92065-1628

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 17, 2022
Property Address	324 SAWDAY RD, RAMONA, CA 92065-1628
Document Number	0000332865
Map Reference	MAP 863
Instrument Date	Aug 8, 2022
Instrument	2022-0332865
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL 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
Address	324 SAWDAY RD, RAMONA, CA 92065-1628

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 17, 2022
Property Address	324 SAWDAY RD, RAMONA, CA 92065-1628
Document Number	0000332864
Map Reference	MAP 863
Instrument Date	Aug 8, 2022
Instrument	2022-0332864
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL 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
Address	3535 COPLEY AVE, SAN DIEGO, CA 92116-1973

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 17, 2022
Property Address	324 SAWDAY RD, RAMONA, CA 92065-1628
Document Number	0000332867
Map Reference	MAP 863
Instrument Date	Jul 26, 2022
Instrument	2022-0332867
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	324 SAWDAY RD, RAMONA, CA 92065-1628

Mortgage

Document Number	0000332868
Date	Aug 17, 2022
Instrument	2022-0332868

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	324 SAWDAY RD, RAMONA, CA 92065-1628
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SAWDAY RD, RAMONA, CA 92065-1628

Mortgage

Document Number	0000805119
Date	Nov 23, 2021
Instrument	2021-0805119

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2031

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 10, 2019
Property Address	324 SAWDAY RD, RAMONA, CA 92065-1628
Document Number	0000010222
Instrument Date	Jan 8, 2019
Instrument	10222
Transaction Type	Transfer
Record Updated	Jan 17, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SAWDAY RD RAMONA CA 920651628, RAMONA, CA 92065-1628

Tax Assessment & Valuation

The 2025 property tax bill for 324 Sawday Rd was $8,614.

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		$806,517 (+2%) Land $509,379 Building $297,138
2025	$8,614.00	$790,704 Land $499,392 Building $291,312
2023	$7,741.00 (+150.76%)	$728,000 Land $459,000 Building $269,000
2022	$3,087.00

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

Flood

FEMA maps place 324 Sawday Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	15 (1980–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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 324 Sawday Rd is high, ranking above 89% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 89% of the US · above 71% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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