425 13th St, Ramona, CA 92065 Property Records

San Diego County property record for 425 13th St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1960
Lot Size	0.287 acres (12,489 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Sep 2019)
Tax Bill	$5,670 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`281-210-20-00`

Property Details

APN / Parcel Number

Primary APN	`281-210-20-00`
Alternative APN	`2812021700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	12,489 sqft (0.287 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	2812021700
Street Address	425 13TH ST
City	RAMONA
State	CA
Zip	92065-2733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMV4
Legal Description	BLK 78 /EXC SWLY 420 FT/ & /EXC NWLY 277 FT/ 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 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	425 13TH ST, RAMONA, CA 92065-2733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Deed of Trust, Mortgage · Line of Credit SAN FRANCISCO FIRE CU
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage PREMIER LENDING INC
Sep 10, 2019	Grant Deed, Transfer · FHA Mortgage CITYWIDE HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2019 · Amount on Record
Deed Sale	Sep 10, 2019 · Amount on Record
Prior Sale	Apr 12, 2016 · Amount on Record
Deed Document Number	2019393192
Prior Transfer Date	Mar 18, 2016
Prior Transfer Doc	0000172006
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	425 13TH ST, RAMONA, CA 92065-2733
Transaction Type	Mortgage
Record Updated	Jun 22, 2022
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 13TH ST, RAMONA, CA 92065-2733

Mortgage

Document Number	0000244011
Date	Jun 10, 2022
Instrument	2022-0244011

Lender

Name	SAN FRANCISCO FIRE CU
Type	Credit Union
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 4, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	425 13TH ST, RAMONA, CA 92065-2733
Transaction Type	Mortgage
Record Updated	Jun 14, 2021
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 13TH ST, RAMONA, CA 92065-2733

Mortgage

Document Number	0000414822
Date	Jun 3, 2021
Instrument	2021-0414822

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 10, 2019
Property Address	425 13TH ST, RAMONA, CA 92065-2733
Document Number	0000393192
Map Reference	MAP 643
Instrument Date	Aug 19, 2019
Instrument	2019-0393192
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	425 13TH ST, RAMONA, CA 92065-2733

Mortgage

Document Number	0000393193
Date	Sep 10, 2019
Instrument	2019-0393193

Lender

Name	CITYWIDE HOME LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Mortgage

Document Number	0000393195
Date	Sep 10, 2019
Instrument	2019-0393195

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	DRAPER, UT 84020

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2049

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		$446,203 (+2%) Land $172,612 Building $273,591
2025	$5,670.00 (+7.24%)	$437,455 (+4.04%) Land $169,228 Building $268,227
2023	$5,287.00 (-2.26%)	$420,469 Land $162,657 Building $257,812
2022	$5,409.00

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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