San Diego County property record for 344 Elm St, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,067 sqft · built 1992 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $880,000 (Aug 2024) |
| Tax Bill | $9,908 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 281-073-07-00 |
| Primary APN | 281-073-07-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,067 sqft Living Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Lot Area | 50,094 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 344 ELM ST |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | PAR 2 TR PM17350 |
| Legal Subdivision | PARCEL MAP NO 17350 |
| Legal Tract | 17350 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 20812 |
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 344 ELM ST, RAMONA, CA 92065-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2024 · Amount on Record |
| Deed Sale | Aug 23, 2024 · Amount on Record |
| Prior Sale | Jun 22, 2021 · Amount on Record |
| Deed Document Number | 2024227049 |
| Prior Transfer Date | Jul 26, 2024 |
| Prior Transfer Doc | 0000227048 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 22, 2021 |
| Property Address | 344 ELM ST, RAMONA, CA 92065-1901 |
| Document Number | 0000455267 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021-0455267 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 344 ELM ST, RAMONA, CA 92065-1901 |
| Document Number | 0000455268 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 2021-0455268 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
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 | $897,600 (+2%) Land $540,600 Building $357,000 | |
| 2025 | $9,908.00 (+24.11%) | $880,000 (+15.71%) Land $530,000 Building $350,000 |
| 2023 | $7,983.00 (-5.28%) Homeowner's exemption | $760,530 Land $251,109 Building $509,421 |
| 2022 | $8,428.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 61% of California |
|---|---|
| Wildfire Likelihood | 0.7% 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 |
5G (outdoors only) and 4G LTE
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