520 Camino de Amor, Ramona, CA 92065 Property Records

San Diego County property record for 520 Camino de Amor, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 1972
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on Record
Last Sale	$555,000 (Jan 2020)
Tax Bill	$6,642 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`284-033-69-00`

Property Details

APN / Parcel Number

Primary APN	`284-033-69-00`
Alternative APN	`2840312000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,634 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	25,700 sqft (0.59 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2840312000
Street Address	520 CAMINO DE AMOR
City	RAMONA
State	CA
Zip	92065-3502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 400 (EX DOC120678REC71)DOC5721REC71 IN TR 000643
Legal Subdivision	RAMONA
Legal Tract	000643
Legal Block	2
Legal Lot Number	400
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2009
Census Tract	20813

Owner

Source: San Diego County records, 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 Record
Mailing Address	520 CAMINO DE AMOR, RAMONA, CA 92065-3502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 17, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Jan 17, 2020	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS
Sep 23, 2019	Grant Deed, Transfer · Construction Mortgage EASY STREET CAP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2020 · Amount on Record
Deed Sale	Jan 17, 2020 · Amount on Record
Prior Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	202028078
Prior Transfer Date	Jan 16, 2020
Prior Transfer Doc	0000028077
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 CAMINO DE AMOR, RAMONA, CA 92065-3502
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CAMINO DE ARMOR, RAMONA, CA 92065-3502

Mortgage

Document Number	0000128345
Date	Feb 18, 2021
Instrument	2021-0128345

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 17, 2020
Property Address	520 CAMINO DE AMOR, RAMONA, CA 92065-3502
Document Number	0000028077
Instrument Date	Jan 15, 2020
Instrument	28077
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	520 CAMINO DE AMOR RAMONA CA 920653502, RAMONA, CA 92065-3502

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 17, 2020
Property Address	520 CAMINO DE AMOR, RAMONA, CA 92065-3502
Document Number	0000028078
Instrument Date	Jan 2, 2020
Instrument	28078
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$611.00
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	520 CAMINO DE AMOR RAMONA CA 920653502, RAMONA, CA 92065-3502

Mortgage

Document Number	28079
Date	Jan 17, 2020
Instrument	28079

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	LA MESA, CA 91942-1676

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 23, 2019
Property Address	520 CAMINO DE AMOR, RAMONA, CA 92065-3502
Document Number	0000418066
Instrument Date	Sep 10, 2019
Instrument	418066
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	944 MAGNOLIA HEIGHTS RD RAMONA CA 920651578, RAMONA, CA 92065-1578

Mortgage

Document Number	418067
Date	Sep 23, 2019
Instrument	418067

Lender

Name	EASY STREET CAP LLC
Address	3333 MICHELSON DR # 300, IRVINE, CA 92612-1683

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 22, 2020

Mortgage

Document Number	418068,
Date	Sep 23, 2019
Instrument	418068

Lender

Name	REINAGEL EDWARD

Agreement

Amount	Amount Recorded

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		$619,109 (+2%) Land $246,849 Building $372,260
2025	$6,642.00 (+7.37%)	$606,970 (+4.04%) Land $242,009 Building $364,961
2023	$6,186.00 (-1.53%)	$583,402 Land $232,612 Building $350,790
2022	$6,282.00

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	7 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	High above 84% of the US · above 63% of California
Wildfire Likelihood	0.9% 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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