San Diego County property record for 330 Elm St, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,796 sqft · built 1993 |
| Lot Size | 4.2 acres (182,952 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,835 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2021 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 281-073-15-00 |
| Primary APN | 281-073-15-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,796 sqft Living Area |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Lot Area | 182,952 sqft |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 2810731100 |
|---|---|
| Street Address | 330 ELM ST |
| City | RAMONA |
| State | CA |
| Zip | 92065-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | LOT 282 DOC00-316110 IN LOTS 256&UNMBD LOT&IN TR 000644 |
| Legal Subdivision | RAMONA |
| Legal Tract | 000644 |
| Legal Block | 1 |
| Legal Lot Number | 256,2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 20812 |
330 Elm St is owned by a company that acquired it in October 2021 and is owner-occupied.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 330 ELM ST, RAMONA, CA 92065-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 15, 2020 | Deed of Trust, Mortgage · VA Mortgage GENEVA FINANCIAL LLC |
| Dec 1, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Oct 21, 2021 | Intrafamily Transfer, Transfer · VA Mortgage CLEARPATH LENDING |
| Feb 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2021 |
| Deed Sale | Oct 21, 2021 |
| Prior Sale | Oct 30, 2000 · Amount on File |
| Deed Document Number | 2021734149 |
| Prior Transfer Date | Oct 1, 2021 |
| Prior Transfer Doc | 0000734149 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 330 ELM ST, RAMONA, CA 92065-1901 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 330 ELM ST, RAMONA, CA 92065-1901 |
| Document Number | 0000805237 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 2020-0805237 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85248 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 1, 2021 |
| Property Address | 330 ELM ST, RAMONA, CA 92065-1901 |
| Document Number | 0000818727 |
| Map Reference | MAP 644 |
| Instrument Date | Nov 1, 2021 |
| Instrument | 2021-0818727 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18167 US HIGHWAY 19 N # 3, 3, CLEARWATER, FL 33764-3528 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 21, 2021 |
| Property Address | 330 ELM ST, RAMONA, CA 92065-1901 |
| Document Number | 0000734149 |
| Map Reference | MAP 644 |
| Instrument Date | Oct 1, 2021 |
| Instrument | 2021-0734149 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000734150 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 2021-0734150 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 330 ELM ST, RAMONA, CA 92065-1901 |
| Document Number | 0000076147 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 330 ELM ST RAMONA CA 920651901, RAMONA, CA 92065-1901 |
| Document Number | 0000076147 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 76147 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 13, 2050 |
The 2025 property tax bill for 330 Elm St was $3,835 with a veteran's exemption.
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 | $516,683 (+2%) Land $177,320 Building $339,363 | |
| 2025 | $3,835.00 | $506,553 Land $173,844 Building $332,709 |
| 2023 | $5,237.00 (-2.78%) | $486,886 Land $167,095 Building $319,791 |
| 2022 | $5,387.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 330 Elm St 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 17 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 37 units insured incl. 20 condo units |
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 risk around 330 Elm St is high, ranking above 82% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 60% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 101 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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