431 Pile St, Ramona, CA 92065 Property Records

San Diego County property record for 431 Pile St, Ramona, CA 92065

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 4 ba · 1,440 sqft · built 1977
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Jul 2016)
Tax Bill	$3,892 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`280-200-15-00`

Property Details

APN / Parcel Number

Primary APN	`280-200-15-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Units	2 Units
Building Area	1,440 sqft Living Area
Gross Area	2,496 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Multi-Family
Lot Area	43,560 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	431 PILE ST
City	RAMONA
State	CA
Zip	92065-1521
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	A70
Legal Description	BLK 364 (EX ST)ELY PAR PER ROS 9844 IN TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	364
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1000
Census Tract	20812

Owner

Source: San Diego County assessment roll, 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	Individual Name on File
Mailing Address	431 PILE ST, RAMONA, CA 92065-1521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 29, 2016 · Amount on Record
Deed Sale	Jul 29, 2016 · Amount on Record
Prior Sale	Nov 10, 2003 · Amount on Record
Deed Document Number	2016385689
Prior Transfer Date	Mar 18, 2011
Prior Transfer Doc	0000188902
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2026
Property Address	431 PILE ST, RAMONA, CA 92065-1521
Document Number	0000133854
Instrument Date	Apr 30, 2026
Instrument	2026133854
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 PILE ST, RAMONA, CA 92065-1521

Mortgage

Document Number	0000133854,
Date	May 11, 2026
Instrument	2026133854

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2056

Interest

Rate	6.46%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	431 PILE ST, RAMONA, CA 92065-1521
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 PILE ST, RAMONA, CA 92065-1521

Mortgage

Document Number	0000102055
Date	Feb 9, 2021
Instrument	2021-0102055

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$361,051 (+2%) Land $236,756 Building $124,295
2025	$3,892.00 (+2.02%) Homeowner's exemption	$353,972 (+4.04%) Land $232,114 Building $121,858
2024	$3,815.00 (+7.59%)
2023	$3,546.00 (-3.67%) Homeowner's exemption	$340,228 Land $223,101 Building $117,127
2022	$3,681.00

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
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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	Very High above 91% of the US · above 75% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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