407 13th St, Ramona, CA 92065 Property Records

San Diego County property record for 407 13th St, Ramona, CA 92065

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,536 sqft · built 1960
Lot Size	0.2 acres (8,717 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,000 (Nov 2015)
Tax Bill	$5,124 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-210-17-00`

Property Details

APN / Parcel Number

Primary APN	`281-210-17-00`
Alternative APN	`2812022000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Building Area	1,536 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Duplex Single
Lot Area	8,717 sqft (0.2 acres)
Garage Type	Attached

Location & Zoning

Old Parcel Number	2812022000
Street Address	407 13TH ST
City	RAMONA
State	CA
Zip	92065-2733
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RMV4
Legal Description	BLK 78 /EXC SWLY 420 FT/ SELY 61 FT OF NWLY 155 FT OF TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	78
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	4
Census Block	4004
Census Tract	20806

Owner

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	407 13TH ST, RAMONA, CA 92065-2733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Mar 19, 2020	Quit Claim Deed, Transfer OCMBC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2015 · Amount on Record
Deed Sale	Nov 3, 2015 · Amount on Record
Prior Sale	Sep 3, 2004 · Amount on Record
Deed Document Number	2015574647
Last Transfer Date	Jun 14, 2019
Transfer Doc	0000143656
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	407 13TH ST, RAMONA, CA 92065-2733
Transaction Type	Mortgage
Record Updated	Sep 10, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 13TH ST, RAMONA, CA 92065-2733

Mortgage

Document Number	0000620963
Date	Sep 1, 2021
Instrument	2021-0620963

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2020
Property Address	407 13TH ST, RAMONA, CA 92065-2733
Document Number	0000143656
Instrument Date	Jun 14, 2019
Instrument	143656
Transaction Type	Transfer
Record Updated	Apr 8, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 13TH ST RAMONA CA 920652733, RAMONA, CA 92065-2733

Mortgage

Document Number	143657
Date	Mar 19, 2020
Instrument	143657

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

Mortgage

Document Number	143658,
Date	Mar 19, 2020
Instrument	143658

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$400,630 (+2%) Land $181,117 Building $219,513
2025	$5,124.00 (+7.62%) Homeowner's exemption	$392,775 (+4.04%) Land $177,566 Building $215,209
2023	$4,761.00 (-2.64%) Homeowner's exemption	$377,525 Land $170,672 Building $206,853
2022	$4,890.00

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

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 298 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
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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