403 Black Canyon Pl, Ramona, CA 92065 Property Records

San Diego County property record for 403 Black Canyon Pl, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,534 sqft · built 2019
Lot Size	11.9 acres (522,284 sqft)
Owner	2 Individual Names on File
Last Sale	$1,335,000 (Jan 2026)
Tax Bill	$6,843 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2026 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`244-120-48-00`

Property Details

APN / Parcel Number

Primary APN	`244-120-48-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,534 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	522,284 sqft

Location & Zoning

Street Address	403 BLACK CANYON PL
City	RAMONA
State	CA
Zip	92065-5586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 36-12-1E NWQ (EX DOC06-0547137)DOC73-0290475 IN N H OF
Legal Range	01E
Legal Township	12
Legal Section	36
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1013
Census Tract	20807

Owner

403 Black Canyon Pl is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
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
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 21, 2026	Grant Deed, Transfer · VA Mortgage UNITED LENDING TEAM LLC
Jul 30, 2018	Deed of Trust, Mortgage · Construction Mortgage HOMESTREET BANK
Feb 27, 2019	Deed of Trust, Mortgage · Line of Credit HOMESTREET BANK
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 9, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Dec 28, 2020	Deed of Trust, Mortgage DISCOVER BANK
Sep 8, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2026 · Amount on File
Deed Sale	Jan 21, 2026 · Amount on File
Prior Sale	Sep 8, 2017 · Amount on File
Deed Document Number	202617818
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586

Mortgage

Document Number	0000394726
Date	May 25, 2021
Instrument	2021-0394726

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 21, 2026
Property Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
Document Number	0000017818
Instrument Date	Dec 29, 2025
Instrument	2026-0017818
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA 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	403 BLACK CANYON PL, RAMONA, CA 92065-5586

Mortgage

Document Number	0000017819
Date	Jan 21, 2026
Instrument	2026-0017819

Lender

Name	UNITED LENDING TEAM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	WFG TITLE COMPANY OF CALIFOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000308219
Date	Jul 30, 2018
Instrument	2018-0308219

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070014
Date	Feb 27, 2019
Instrument	2019-0070014

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000427394
Date	Sep 26, 2019
Instrument	2019-0427394

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000119719
Date	Mar 9, 2020
Instrument	2020-0119719

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 9, 2030

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586

Mortgage

Document Number	0000836508
Date	Dec 28, 2020
Instrument	2020-0836508

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Amount	Amount on Record
Term	192 Months
Due	Dec 28, 2036

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2017
Property Address	403 BLACK CANYON PL, RAMONA, CA 92065-5586
Document Number	0000413372
Instrument Date	Jul 14, 2017
Instrument	413372
Transaction Type	Transfer
Record Updated	Sep 14, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$138.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23007 ARJO LN RAMONA CA 920655502, RAMONA, CA 92065-5502

Tax Assessment & Valuation

The 2025 property tax bill for 403 Black Canyon Pl was $6,843.

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		$615,748 (+2%) Land $151,807 Building $463,941
2025	$6,843.00	$603,676 Land $148,831 Building $454,845
2023	$6,388.00 (-1.5%)	$580,236 Land $143,052 Building $437,184
2022	$6,485.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 403 Black Canyon Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & Flooding

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 403 Black Canyon Pl is extreme, ranking above 98.8% of the US, with a 3% annual chance of wildfire.

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

Wildfire Risk	Extreme above 98.8% of the US · above 92% of California
Wildfire Likelihood	3% annual chance
Exposure	Direct burnable vegetation

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

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

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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