San Diego County property record for 404 Oak St, Ramona, CA 92065 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1995 |
| Square Footage | 3,105 sqft Living Area |
| Lot Size | 2.61 acres |
| Occupancy | Owner Occupied |
| Tax Bill | $8,022.00 (2025) |
| Primary APN | 281-075-67-00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,105 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 114,127 sqft |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 2810755100 |
|---|---|
| Street Address | 404 OAK ST |
| City | RAMONA |
| State | CA |
| Zip | 92065-1960 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BLK 258 DOC03-0114235 IN TR 000644 |
| Legal Subdivision | RAMONA |
| Legal Tract | 000644 |
| Legal Block | 258 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | RAMONA |
| Census Blockgroup | 1 |
| Census Block | 1029 |
| Census Tract | 20812 |
Source: San Diego County records · APN 281-075-67-00
Assessment roll updated July 28, 2026 · Last verified August 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 | PO BOX 1621, RAMONA, CA 92065-0900 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 23, 2022 | Deed of Trust, Mortgage · Commercial Mortgage SPRING EQ LLC |
| Dec 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 404 OAK ST, RAMONA, CA 92065-1960 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 404 OAK ST, RAMONA, CA 92065-1960 |
| Document Number | 0000218824 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 2022-0218824 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | LIMA, OH 45801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 09, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 404 OAK ST, RAMONA, CA 92065-1960 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 404 OAK ST, RAMONA, CA 92065-1960 |
| Document Number | 0000857916 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 2021-0857916 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2042 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $752,574 (+2%) Land $235,685 Building $516,889 | |
| 2025 | $8,022.00 (+7.38%) Homeowner's exemption | $737,818 (+4.04%) Land $231,064 Building $506,754 |
| 2023 | $7,471.00 (-1.5%) Homeowner's exemption | $709,170 Land $222,093 Building $487,077 |
| 2022 | $7,585.00 |
404 Oak St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (High risk).
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | High 79th percentile of exposed land nationally · 56th in California |
|---|---|
| Wildfire Likelihood | High — about 1 in 172 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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