523 Washington St, Ramona, CA 92065 Property Records

San Diego County property record for 523 Washington St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,841 sqft · built 1989
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Dec 2024)
Tax Bill	$7,544 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`280-170-41-00`

Property Details

APN / Parcel Number

Primary APN	`280-170-41-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,841 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	104,544 sqft

Location & Zoning

Street Address	523 WASHINGTON ST
City	RAMONA
State	CA
Zip	92065-7634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 1 TR PM09948
Legal Subdivision	PARCEL MAP NO. 9948
Legal Tract	9948
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1035
Census Tract	20807

Owner

523 Washington St is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	523 WASHINGTON ST, RAMONA, CA 92065-7634
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Dec 3, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 3, 2019	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2024 · Amount on File
Deed Sale	Dec 12, 2024 · Amount on File
Prior Sale	Jun 17, 2016 · Amount on File
Deed Document Number	2024342255
Prior Transfer Date	May 13, 2004
Prior Transfer Doc	0000448188
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	523 WASHINGTON ST, RAMONA, CA 92065-7634
Document Number	0000011871
Instrument Date	Dec 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	523 WASHINGTON ST RAMONA CA 920657634, RAMONA, CA 92065-7634

Mortgage

Document Number	0000011871
Date	Jan 9, 2020
Instrument	11871

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	523 WASHINGTON ST, RAMONA, CA 92065-7634
Document Number	0000011870
Instrument Date	Dec 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	523 WASHINGTON ST RAMONA CA 920657634, RAMONA, CA 92065-7634

Mortgage

Document Number	0000011870
Date	Jan 9, 2020
Instrument	11870

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 523 Washington St was $7,544, down 0.5% from the year before.

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		$994,500 (+42.75%) Land $586,500 Building $408,000
2025	$7,544.00 (-0.5%)	$696,656 Land $254,442 Building $442,214
2024	$7,582.00 (+7.56%)
2023	$7,049.00 (-1.16%) Homeowner's exemption	$669,606 Land $244,562 Building $425,044
2022	$7,132.00

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

Flood

FEMA maps place 523 Washington 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 523 Washington St is very high, ranking above 92% of the US, with a 2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 92% of the US · above 76% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Washington St

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