San Diego County property record for 416 Main St, Ramona, CA 92065 · Last verified July 2026
| Property Type | Commercial > Retail > Hotel |
|---|---|
| Year Built | Built 1983 |
| Square Footage | 7,012 sqft Total Area |
| Lot Size | 14,029 sqft (0.322 acres) |
| Last Sale | $3,400,000 (2019) |
| Tax Bill | $32,851.00 (2025) |
Source: San Diego County records · APN 281-402-01-00
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 Record | Company Name on File |
|---|---|
| Mailing Address | 565 S HIDDEN TRAILS RD, ESCONDIDO, CA 92027-5118 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jun 17, 2022 | Deed of Trust, Mortgage · Small Business Association Mortgage COGENT BANK |
| Jun 07, 2022 | Deed of Trust, Mortgage · Small Business Association Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| May 20, 2022 | Deed of Trust, Mortgage COGENT BANK |
| Oct 08, 2019 | Grant Deed, Transfer · Commercial Mortgage COGENT BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 08, 2019 · Amount on Record |
| Deed Sale | Oct 08, 2019 · Amount on Record |
| Prior Sale | Dec 28, 2016 · Amount on Record |
| Deed Doc Number | 2019449371 |
| Prior Transfer Date | Aug 22, 2014 |
| Prior Transfer Doc | 0000384122 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 416 MAIN ST, RAMONA, CA 92065-2040 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 416 MAIN ST 422, 422, RAMONA, CA 92065-2040 |
| Document Number | 0000253020 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | 2022-0253020 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | MORGAN HILL, CA 95037 |
| Type | Small Business Association Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 416 MAIN ST, RAMONA, CA 92065-2040 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 416 MAIN ST, RAMONA, CA 92065-2040 |
| Document Number | 0000239633 |
|---|---|
| Date | Jun 07, 2022 |
| Instrument | 2022-0239633 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | FORT WORTH, TX 76155 |
| Type | Small Business Association Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 416 MAIN ST, RAMONA, CA 92065-2040 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Title Company | US FIDELITY TITLE COMPANY, FIDELITY TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 416 MAIN ST 422, 422, RAMONA, CA 92065-2040 |
| Document Number | 0000216335 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 2022-0216335 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | MORGAN HILL, CA 95037 |
| Amount | Amount Recorded |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 08, 2019 |
| Property Address | 416 MAIN ST, RAMONA, CA 92065-2040 |
| Document Number | 0000449371 |
| Map Reference | MAP 643 |
| Instrument Date | Oct 07, 2019 |
| Instrument | 2019-0449371 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | TICOR TITLE NATL COM SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7475 EL CAJON BLVD, LA MESA, CA 91942-7401 |
| Document Number | 0000449372 |
|---|---|
| Date | Oct 08, 2019 |
| Instrument | 2019-0449372 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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 | $2,125,000 (+12.43%) Land $891,000 Building $1,234,000 | |
| 2025 | $32,851.00 (+1.35%) | $1,890,000 (+2.16%) Land $793,000 Building $1,097,000 |
| 2024 | $32,414.00 (+5.52%) | |
| 2023 | $30,717.00 (-3.33%) | $1,850,000 Land $777,000 Building $1,073,000 |
| 2022 | $31,774.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 281-402-01-00 |
|---|
| Units | 23 Units |
|---|---|
| Building Area | 7,012 sqft Total Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Lot Area | 14,029 sqft (0.322 acres) |
| Street Address | 416 MAIN ST |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-2040 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail > Hotel |
| Legal Description | BLK 62 (EX ST WID)LOTS 1&2 TR 000644 |
| Legal Subdivision | RAMONA |
| Legal Tract | 000644 |
| Legal Block | 62 |
| Legal Lot Number | 1,2 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | RAMONA |
| Census Blockgroup | 3 |
| Census Block | 3010 |
| Census Tract | 20813 |
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