408 12th St, Ramona, CA 92065 Property Records

San Diego County property record for 408 12th St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,100 sqft · built 1947
Lot Size	0.145 acres (6,296 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,558 (2025)
Deeds & Mortgages	Oct 2018 Transfer Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-240-07-00`

Property Details

APN / Parcel Number

Primary APN	`281-240-07-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Bungalow
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	6,296 sqft (0.145 acres)

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	408 12TH ST
City	RAMONA
State	CA
Zip	92065-2724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMV4
Legal Description	BLK 76 NLY PAR AS PER ROS MAP 1918 IN TR 000643
Legal Subdivision	RAMONA
Legal Tract	000643
Legal Block	76
Legal Lot Number	11,12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	4
Census Block	4006
Census Tract	20806

Owner

Source: San Diego County records, as of July 21, 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	408 12TH ST, RAMONA, CA 92065-2724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2018	Quit Claim Deed, Transfer AMERICAN COAST TITLE COMPANY
Oct 18, 2018	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2009
Deed Sale	Nov 3, 2009
Prior Sale	Jun 12, 2008 · Amount on Record
Deed Document Number	2009610928
Last Transfer Date	Oct 9, 2018
Transfer Doc	0000434665
Record Updated	Sep 20, 2026

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 18, 2018
Property Address	408 12TH ST, RAMONA, CA 92065-2724
Document Number	0000434665
Instrument Date	Oct 9, 2018
Instrument	434665
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	AMERICAN COAST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 12TH ST RAMONA CA 920652724, RAMONA, CA 92065-2724

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 18, 2018
Property Address	408 12TH ST, RAMONA, CA 92065-2724
Document Number	0000434666
Instrument Date	Oct 9, 2018
Instrument	434666
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

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	408 12TH ST RAMONA CA 920652724, RAMONA, CA 92065-2724

Mortgage

Document Number	434667
Date	Oct 18, 2018
Instrument	434667

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$294,736 (+2%) Land $147,368 Building $147,368
2025	$6,558.00 (+5.1%)	$288,958 (+4.04%) Land $144,479 Building $144,479
2023	$6,240.00 (-2.26%)	$277,740 Land $138,870 Building $138,870
2022	$6,384.00

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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