San Diego County property record for 440 13th St, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,120 sqft · built 1990 |
| Lot Size | 0.172 acres (7,510 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $585,000 (May 2024) |
| Tax Bill | $7,353 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 281-210-61-00 |
| Primary APN | 281-210-61-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,510 sqft (0.172 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 440 13TH ST |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-2734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMV4 |
| Legal Description | PAR 2 (EX ST) TR PM11472 |
| Legal Subdivision | PARCEL MAP NO. 11472 |
| Legal Tract | 11472 |
| Legal Block | 4 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 20806 |
Source: San Diego County assessment roll, APN 281-210-61-00, as of July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 4149 ARBOR VITAE DR, SAN DIEGO, CA 92105-4501 |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 20, 2024 · Amount on Record |
| Deed Sale | May 20, 2024 · Amount on Record |
| Prior Sale | Mar 26, 2009 · Amount on Record |
| Deed Document Number | 2024126273 |
| Prior Transfer Date | Mar 04, 2009 |
| Prior Transfer Doc | 0000153220 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 440 13TH ST, RAMONA, CA 92065-2734 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 440 13TH ST, RAMONA, CA 92065-2734 |
| Document Number | 0000319065 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 2025-0319065 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 440 13TH ST, RAMONA, CA 92065-2734 |
| Document Number | 0000035875 |
| Instrument Date | Jan 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2017 |
| Title Company | AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 440 13TH ST RAMONA CA 920652734, RAMONA, CA 92065-2734 |
| Document Number | 0000035875 |
|---|---|
| Date | Jan 24, 2017 |
| Instrument | 35875 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
Source: San Diego County assessment roll as of July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $608,632 (+2%) Land $292,142 Building $316,490 | |
| 2025 | $7,353.00 (+81.87%) | $596,699 (+92.84%) Land $286,414 Building $310,285 |
| 2023 | $4,043.00 (-3.32%) Homeowner's exemption | $309,424 Land $148,523 Building $160,901 |
| 2022 | $4,182.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), as of September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208064, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection, 298 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| 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 USA, Verizon.
Source: EPA Safe Drinking Water Information System, water system CA3710019, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RAMONA MUNICIPAL WD serves 36,455 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2022 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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