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3495 Cecelia Jo Rd, Ramona, CA 92065 Property Records

San Diego County property record for 3495 Cecelia Jo Rd, Ramona, CA 92065 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,810 sqft · built 1984
Lot Size2.01 acres (87,556 sqft)
Owner2 Individual Names on File
Last Sale$700,000 (Sep 2020)
Tax Bill$8,255 (2025)
Deeds & MortgagesOct 2021 Mortgage
Sep 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN283-053-53-00

Property Details

APN / Parcel Number

Primary APN283-053-53-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,810 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialStucco
Roof MaterialComposition Shingle
Lot Area87,556 sqft
View / LotGood
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address3495 CECELIA JO RD
CityRAMONA
StateCA
Zip92065-3637
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPAR 1 TR PM08773
Legal SubdivisionPARCEL MAP NO 8773
Legal Tract8773
Legal Block3
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group3
Census Block3006
Census Tract20801

Owner

Source: San Diego County records · APN 283-053-53-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3495 CECELIA JO RD, RAMONA, CA 92065-3637
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
STEARNS LENDING LLC
Sep 14, 2020Deed of Trust, Mortgage · FHA Mortgage
FINANCE OF AMERICA MTG
Sep 21, 2020Grant Deed, Transfer
WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 21, 2020 · Amount on Record
Deed SaleSep 21, 2020 · Amount on Record
Prior SaleSep 30, 2013 · Amount on Record
Deed Document Number2020552792
Prior Transfer DateJul 16, 2013
Prior Transfer Doc0000448050
Record UpdatedSep 20, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3495 CECELIA JO RD, RAMONA, CA 92065-3637
Transaction TypeMortgage
Record UpdatedNov 03, 2021
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3495 CECELIA, RAMONA, CA 92065-3637

Mortgage

Document Number0000736241
DateOct 22, 2021
Instrument2021-0736241
Lender
NameSTEARNS LENDING LLC
TypeMortgage Company
AddressLEWISVILLE, TX 75057
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3495 CECELIA JO RD, RAMONA, CA 92065-3637
Document Number0000552794
Instrument DateSep 14, 2020
Transaction TypeMortgage
Record UpdatedSep 29, 2020
Title CompanyWFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3495 CECELIA JO RD RAMONA CA 920653637, RAMONA, CA 92065-3637

Mortgage

Document Number0000552794
DateSep 21, 2020
Instrument552794
Lender
NameFINANCE OF AMERICA MTG
AddressHORSHAM, PA 19044
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 20, 2050

September 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateSep 21, 2020
Property Address3495 CECELIA JO RD, RAMONA, CA 92065-3637
Document Number0000552792
Instrument DateAug 14, 2020
Instrument552792
Transaction TypeTransfer
Record UpdatedSep 29, 2020
Title CompanyWFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transaction

AmountAmount Recorded
Tax$770.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3495 CECELIA JO RD RAMONA CA 920653637, RAMONA, CA 92065-3637

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona City Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$772,852 (+2%) Land $182,315 Building $590,537
2025$8,255.00 (+6.75%)$757,699 (+4.04%) Land $178,741 Building $578,958
2023$7,733.00 (-0.95%)$728,278 Land $171,801 Building $556,477
2022$7,807.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskVery High
above 90% of the US · above 72% of California
Wildfire LikelihoodAbout 1 in 60 per year
ExposureDirect
burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values are read at the parcel center point; lenders make the official flood determination.

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