456 Pile St, Ramona, CA 92065 Property Records

San Diego County property record for 456 Pile St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,899 sqft · built 2015
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Trust Names on File
Last Sale	$710,000 (Jan 2022)
Tax Bill	$8,118 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`280-170-11-00`

Property Details

APN / Parcel Number

Primary APN	`280-170-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,899 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	50,094 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	456 PILE ST
City	RAMONA
State	CA
Zip	92065-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 345 /EXC RS 577/ ELY 167 FT OF SLY 330 FT OF TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	345
Legal Lot Number	345
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1035
Census Tract	20807

Owner

456 Pile St is owner-occupied and held in a trust since November 2024.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	456 PILE ST, RAMONA, CA 92065-1522
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 18, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Dec 4, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Dec 4, 2019	Grant Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on File
Deed Sale	Jan 18, 2022 · Amount on File
Prior Sale	Dec 4, 2019 · Amount on File
Deed Document Number	202225680
Last Transfer Date	Nov 18, 2024
Transfer Doc	0000327162
Record Updated	Oct 29, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 18, 2022
Property Address	456 PILE ST, RAMONA, CA 92065-1522
Document Number	0000025680
Map Reference	MAP 644
Instrument Date	Dec 20, 2021
Instrument	2022-0025680
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	456 PILE ST, RAMONA, CA 92065-1522

Mortgage

Document Number	0000025681
Date	Jan 18, 2022
Instrument	2022-0025681

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	456 PILE ST, RAMONA, CA 92065-1522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	456 PILE ST, RAMONA, CA 92065-1522

Mortgage

Document Number	0000726893
Date	Nov 18, 2020
Instrument	2020-0726893

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 4, 2019
Property Address	456 PILE ST, RAMONA, CA 92065-1522
Document Number	0000563991
Instrument Date	Dec 3, 2019
Instrument	563991
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Separate Estate/Property
Address	456 PILE ST RAMONA CA 920651522, RAMONA, CA 92065-1522

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 4, 2019
Property Address	456 PILE ST, RAMONA, CA 92065-1522
Document Number	0000563992
Instrument Date	Nov 7, 2019
Instrument	563992
Transaction Type	Transfer
Record Updated	Dec 13, 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	$561.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	456 PILE ST RAMONA CA 920651522, RAMONA, CA 92065-1522

Mortgage

Document Number	563993
Date	Dec 4, 2019
Instrument	563993

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 456 Pile St was $8,118.

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		$783,523 (+3.99%) Land $406,795 Building $376,728
2025	$8,118.00 Homeowner's exemption	$753,457 Land $384,114 Building $369,343
2023	$7,332.00 (+28.23%) Homeowner's exemption	$699,000 Land $356,000 Building $343,000
2022	$5,718.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 456 Pile St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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 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

Wildfire risk around 456 Pile St is very high, ranking above 91% 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	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.

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 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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