428 Washington St, Ramona, CA 92065 Property Records

San Diego County property record for 428 Washington St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,226 sqft · built 2021
Lot Size	3.26 acres (142,006 sqft)
Owner	2 Company Names on Record
Last Sale	$1,106,000 (Jun 2026)
Tax Bill	$5,949 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`279-120-45-00`

Property Details

APN / Parcel Number

Primary APN	`279-120-45-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,226 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	142,006 sqft
Lot Dimensions	645 ft deep x 220 ft wide
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	428 WASHINGTON ST
City	RAMONA
State	CA
Zip	92065-7631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 342 W 1/2 OF E 2/3 OF SEQ OF TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	342
Legal Lot Number	342
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1035
Census Tract	20807

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 Company Names on Record
Mailing Address	12355 CALLE DE ENSUENO, VALLEY CENTER, CA 92082-5003
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 3, 2026	Grant Deed, Transfer · Conventional Mortgage ACORN FUNDING INC
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALCON MUTUAL MORTGAGE LLC
Oct 29, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jun 5, 2019	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2026 · Amount on Record
Deed Sale	Jun 3, 2026 · Amount on Record
Prior Sale	Oct 29, 2020 · Amount on Record
Deed Document Number	2026159308
Last Transfer Date	Jun 29, 2026
Transfer Doc	0000206888
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 20, 2026
Property Address	428 WASHINGTON ST, RAMONA, CA 92065-7631
Document Number	0000206888
Instrument Date	Jun 29, 2026
Instrument	2026206888
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	12355 CALLE DE ENSUENO, VALLEY CENTER, CA 92082-5003
Investor	Possibly a Property Investor

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2026
Property Address	428 WASHINGTON ST, RAMONA, CA 92065-7631
Document Number	0000159308
Instrument Date	May 12, 2026
Instrument	2026159308
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122,876.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	428 WASHINGTON ST, RAMONA, CA 92065-7631
Investor	Possibly a Property Investor

Mortgage

Document Number	0000159309,
Date	Jun 3, 2026
Instrument	2026159309

Lender

Name	ACORN FUNDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	428 WASHINGTON ST, RAMONA, CA 92065-7631
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 WASHINGTON ST, RAMONA, CA 92065-7631
Investor	Possibly a Property Investor

Mortgage

Document Number	0000321295
Date	Nov 14, 2025
Instrument	2025-0321295

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	428 WASHINGTON ST, RAMONA, CA 92065-7631
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 WASHINGTON ST, RAMONA, CA 92065-7631

Mortgage

Document Number	0000785343
Date	Dec 8, 2020
Instrument	2020-0785343

Lender

Name	CALCON MUTUAL MORTGAGE LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Oct 1, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2020
Property Address	428 WASHINGTON ST, RAMONA, CA 92065-7631
Document Number	0000671491
Instrument Date	Oct 19, 2020
Instrument	671491
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$143.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	428 WASHINGTON ST RAMONA CA 920657631, RAMONA, CA 92065-7631

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2019
Property Address	428 WASHINGTON ST, RAMONA, CA 92065-7631
Document Number	0000217615
Instrument Date	May 1, 2019
Instrument	217615
Transaction Type	Transfer
Record Updated	Jun 13, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$143.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	24827 RIO VERDE DR RAMONA CA 920654949, RAMONA, CA 92065-4949

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		$547,698 (+2%) Land $147,915 Building $399,783
2025	$5,949.00 (-1.2%)	$536,960 (+4.04%) Land $145,015 Building $391,945
2024	$6,021.00 (+9.02%)
2023	$5,523.00 (-1.9%)	$516,111 Land $139,385 Building $376,726
2022	$5,630.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & Flooding

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	Extreme above 96% of the US · above 83% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, Verizon.

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