432 11th St, Ramona, CA 92065 Property Records

San Diego County property record for 432 11th St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,818 sqft · built 1969
Lot Size	0.262 acres (11,392 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (May 1998)
Tax Bill	$3,033 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`281-252-14-00`

Property Details

APN / Parcel Number

Primary APN	`281-252-14-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,818 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	11,392 sqft (0.262 acres)

Location & Zoning

Street Address	432 11TH ST
City	RAMONA
State	CA
Zip	92065-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMV4
Legal Description	BLK 75 /EXC NWLY 290 FT THF/ SWLY 210 FT OF TR 000643
Legal Subdivision	RAMONA
Legal Tract	000643
Legal Block	75
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	4
Census Block	4007
Census Tract	20806

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	Individual Name on Record
Mailing Address	432 11TH ST, RAMONA, CA 92065-3912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
May 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC
Apr 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 1998 · Amount on Record
Deed Sale	May 7, 1998 · Amount on Record
Prior Sale	Mar 9, 1998 · Amount on Record
Deed Document Number	1998265679
Last Transfer Date	May 22, 2020
Transfer Doc	0000271418
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	432 11TH ST, RAMONA, CA 92065-3912
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 11TH ST, RAMONA, CA 92065-3912

Mortgage

Document Number	0000061666
Date	Mar 10, 2023
Instrument	2023-0061666

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 28, 2020
Property Address	432 11TH ST, RAMONA, CA 92065-3912
Document Number	0000271418
Map Reference	MAP 643
Instrument Date	May 22, 2020
Instrument	2020-0271418
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 11TH ST, RAMONA, CA 92065-3912

Mortgage

Document Number	0000271419
Date	May 28, 2020
Instrument	2020-0271419

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2020
Property Address	432 11TH ST, RAMONA, CA 92065-3912
Document Number	0000218240
Instrument Date	Apr 13, 2020
Instrument	218240
Transaction Type	Transfer
Record Updated	May 8, 2020
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	432 11TH ST RAMONA CA 920653912, RAMONA, CA 92065-3912

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		$198,671 (+2%) Land $138,427 Building $60,244
2025	$3,033.00 (+10.05%) Homeowner's exemption	$194,776 (+4.04%) Land $135,713 Building $59,063
2023	$2,756.00 (-5.42%) Homeowner's exemption	$187,214 Land $130,444 Building $56,770
2022	$2,914.00

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 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% 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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