422 Main St, Ramona, CA 92065 Property Records

San Diego County property record for 422 Main St, Ramona, CA 92065

Property Summary

Property Type	Hotel
Details	5,071 sqft · built 1986
Lot Size	0.22 acres (9,602 sqft)
Owner	Company Name on Record
Last Sale	$3,400,000 (Oct 2019)
Tax Bill	$13,934 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`281-402-17-00`

Property Details

APN / Parcel Number

Primary APN	`281-402-17-00`

Interior

Units	16 Units
Building Area	5,071 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	9,602 sqft (0.22 acres)

Location & Zoning

Street Address	422 MAIN ST
City	RAMONA
State	CA
Zip	92065
Property Category	Commercial
Property Type	Commercial > Retail > Hotel
Local Zoning Code	RMV5
Legal Description	BLK 62 LOTS 3 & 4 /EXC SWLY 30 FT OF LOT 4/ TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	62
Legal Lot Number	3,4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3010
Census Tract	20813

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	Company Name on Record
Mailing Address	565 S HIDDEN TRAILS RD, ESCONDIDO, CA 92027-5118
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed of Trust, Mortgage · SBA Mortgage COGENT BANK
May 20, 2022	Deed of Trust, Mortgage COGENT BANK
Jun 7, 2022	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Oct 8, 2019	Grant Deed, Transfer · Commercial Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2019 · Amount on Record
Deed Sale	Oct 8, 2019 · Amount on Record
Prior Sale	Dec 28, 2016 · Amount on Record
Deed Document Number	2019449371
Prior Transfer Date	Aug 22, 2014
Prior Transfer Doc	0000384122
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	422 MAIN ST, RAMONA, CA 92065
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000253020
Date	Jun 17, 2022
Instrument	2022-0253020

Lender

Name	COGENT BANK
Type	Bank
Address	MORGAN HILL, CA 95037

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	422 MAIN ST, RAMONA, CA 92065
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	US FIDELITY TITLE COMPANY, FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000216335
Date	May 20, 2022
Instrument	2022-0216335

Lender

Name	COGENT BANK
Type	Bank
Address	MORGAN HILL, CA 95037

Agreement

Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	422 MAIN ST, RAMONA, CA 92065
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000239633
Date	Jun 7, 2022
Instrument	2022-0239633

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	FORT WORTH, TX 76155

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 8, 2019
Property Address	422 MAIN ST, RAMONA, CA 92065
Document Number	0000449371
Map Reference	MAP 643
Instrument Date	Oct 7, 2019
Instrument	2019-0449371
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	TICOR TITLE NATL COM SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7475 EL CAJON BLVD, LA MESA, CA 91942-7401

Mortgage

Document Number	0000449372
Date	Oct 8, 2019
Instrument	2019-0449372

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,375,000 (+12.7%) Land $468,000 Building $907,000
2025	$13,934.00 (+1.61%)	$1,220,000 (+1.67%) Land $416,000 Building $804,000
2024	$13,713.00 (+7.92%)
2023	$12,707.00 (-3%)	$1,200,000 Land $410,000 Building $790,000
2022	$13,100.00

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

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	1 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	0.05% 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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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