San Diego County property record for 346 Oak St, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,682 sqft · built 1991 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $805,000 (Oct 2024) |
| Tax Bill | $8,712 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 281-075-53-00 |
| Primary APN | 281-075-53-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,682 sqft Living Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 41,818 sqft (0.96 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 2810754500 |
|---|---|
| Street Address | 346 OAK ST |
| City | RAMONA |
| State | CA |
| Zip | 92065-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | BLK 258 PAR C PER DOC91-270832 IN TR 000644 |
| Legal Subdivision | RAMONA |
| Legal Tract | 000644 |
| Legal Block | 258 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 20812 |
Source: San Diego County assessment roll, 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 File |
|---|---|
| Mailing Address | 73 OLU OLU ST, KAILUA KONA, HI 96740 |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage · USDA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Nov 18, 2019 | Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Nov 16, 2017 | Grant Deed, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC |
| Jul 24, 2017 | Trustee's Deed, Foreclosure FIRST AMERICAN TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 25, 2024 · Amount on Record |
| Deed Sale | Oct 25, 2024 · Amount on Record |
| Prior Sale | Aug 9, 2024 · Amount on Record |
| Deed Document Number | 2024292830 |
| Prior Transfer Date | Jul 8, 2024 |
| Prior Transfer Doc | 0000292830 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 346 OAK ST, RAMONA, CA 92065-1906 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 346 OAK ST, RAMONA, CA 92065-1906 |
| Document Number | 0000460619 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 2021-0460619 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 18, 2019 |
| Property Address | 346 OAK ST, RAMONA, CA 92065-1906 |
| Document Number | 0000533482 |
| Map Reference | MAP 643 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 2019-0533482 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 346 OAK ST, RAMONA, CA 92065-1906 |
| Document Number | 0000533483 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 2019-0533483 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 16, 2017 |
| Property Address | 346 OAK ST, RAMONA, CA 92065-1906 |
| Document Number | 0000536401 |
| Map Reference | MAP643 |
| Instrument Date | Sep 1, 2017 |
| Instrument | 2017-0536401 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | SERVICELINK |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 346 OAK ST, RAMONA, CA 92065-1906 |
| Document Number | 0000536402 |
|---|---|
| Date | Nov 16, 2017 |
| Instrument | 2017-0536402 |
| Name | RESIDENTIAL WHOLESALE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 24, 2017 |
| Property Address | 346 OAK ST, RAMONA, CA 92065-1906 |
| Document Number | 0000333003 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 333003 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 28, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $435.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
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 | $820,890 (+1.34%) Land $510,000 Building $310,890 | |
| 2025 | $8,712.00 (+43.9%) Homeowner's exemption | $810,000 (+40.1%) Land $405,000 Building $405,000 |
| 2023 | $6,054.00 (-1.59%) Homeowner's exemption | $578,146 Land $289,073 Building $289,073 |
| 2022 | $6,152.00 |
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 78% of the US · above 55% of California |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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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