431 W PILE ST RAMONA CA 920651412, RAMONA, CA 92065-1412
Mortgage
Document Number
0000838902
Date
Dec 28, 2020
Instrument
838902
Lender
Name
BROADVIEW HM LNS
Address
WESTLAKE VILLAGE, CA 91362
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Dec 27, 2050
January 2020: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
SAN DIEGO CA
Recording Date
Jan 23, 2020
Property Address
431 W PILE ST, RAMONA, CA 92065-1412
Document Number
0000037939
Instrument Date
Jan 17, 2020
Instrument
37939
Transaction Type
Transfer
Record Updated
Feb 7, 2020
Title Company
TICOR TITLE SAN DIEGO BR
Transaction
Tax
$0.00
Amount Accuracy
Full Value
Additional
Quitclaim
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants with Right of Survivorship
Address
431 W PILE ST RAMONA CA 920651412, RAMONA, CA 92065-1412
Mortgage
Document Number
37940
Date
Jan 23, 2020
Instrument
37940
Lender
Name
BROADVIEW HM LNS
Address
WESTLAKE VILLAGE, CA 91362
Agreement
Amount
Amount on Record
Term
360 Months
Due
Jan 22, 2050
June 2019: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SAN DIEGO CA
Recording Date
Jun 19, 2019
Property Address
431 W PILE ST, RAMONA, CA 92065-1412
Document Number
0000240714
Instrument Date
May 15, 2019
Instrument
240714
Transaction Type
Transfer
Record Updated
Jul 1, 2019
Title Company
FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$713.90
Amount Accuracy
Full Value
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants with Right of Survivorship
Address
431 PILE ST RAMONA CA 920651521, RAMONA, CA 92065-1521
Mortgage
Document Number
240715
Date
Jun 19, 2019
Instrument
240715
Lender
Name
BROADVIEW HOME LOANS
Address
1 BAXTER WAY # 120, WESTLAKE VILLAGE, CA 91362-3809
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jun 18, 2049
June 2018: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
SAN DIEGO CA
Recording Date
Jun 21, 2018
Property Address
431 W PILE ST, RAMONA, CA 92065-1412
Document Number
0000253054
Instrument Date
Jun 4, 2018
Instrument
253054
Transaction Type
Transfer
Record Updated
Jun 29, 2018
Title Company
ATTORNEY ONLY
Transaction
Tax
$0.00
Additional
Quitclaim
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Personal Trust
Address
321 12TH ST RAMONA CA 920652721, RAMONA, CA 92065-2721
December 2017: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SAN DIEGO CA
Recording Date
Dec 4, 2017
Property Address
431 W PILE ST, RAMONA, CA 92065-1412
Document Number
0000563527
Map Reference
MAP644
Instrument Date
Oct 26, 2017
Instrument
2017-0563527
Transaction Type
Transfer
Record Updated
Jul 22, 2022
Title Company
FIRST AMERICAN TITLE
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$0.00
Amount Accuracy
Calculated from Transfer Tax
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
321 12TH ST, RAMONA, CA 92065-2721
Mortgage
Document Number
0000563528
Date
Dec 4, 2017
Instrument
2017-0563528
Lender
Name
UNITED WHOLESALE MORTGAGE
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jan 1, 2048
Tax Assessment & Valuation
The 2025 property tax bill for 431 W Pile St was $9,273.
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
$870,086 (+2%)Land $421,651Building $448,435
2025
$9,273.00
$853,027Land $413,384Building $439,643
2023
$8,709.00 (+5.92%)
$819,905Land $397,333Building $422,572
2022
$8,222.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 431 W Pile St in Zone X, an area of minimal flood risk.
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 File 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
Wildfire risk around 431 W Pile St is high, ranking above 84% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
High above 84% of the US · above 64% of California
Wildfire Likelihood
1% annual chance
Exposure
Direct burnable vegetation
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 52 locations within half a mile, as of December 31, 2025