528 Pile St, Ramona, CA 92065 Property Records

San Diego County property record for 528 Pile St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,021 sqft · built 1991
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$820,000 (Jul 2022)
Tax Bill	$9,190 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`280-170-42-00`

Property Details

APN / Parcel Number

Primary APN	`280-170-42-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,021 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	87,120 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	528 PILE ST
City	RAMONA
State	CA
Zip	92065-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 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

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	2 Individual Names on Record
Mailing Address	528 PILE ST, RAMONA, CA 92065-1524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Grant Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ANCHOR FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Mar 21, 2008 · Amount on Record
Deed Document Number	2022295140
Prior Transfer Date	May 12, 2020
Prior Transfer Doc	0000252053
Record Updated	Oct 29, 2026

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2022
Property Address	528 PILE ST, RAMONA, CA 92065-1524
Document Number	0000295140
Map Reference	DOC 80-139574
Instrument Date	May 31, 2022
Instrument	2022-0295140
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	528 PILE ST, RAMONA, CA 92065-1524

Mortgage

Document Number	0000295141
Date	Jul 18, 2022
Instrument	2022-0295141

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	528 PILE ST, RAMONA, CA 92065-1524
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 PILE ST, RAMONA, CA 92065-1524

Mortgage

Document Number	0000106012
Date	Feb 10, 2021
Instrument	2021-0106012

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 18, 2020
Property Address	528 PILE ST, RAMONA, CA 92065-1524
Document Number	0000252053
Map Reference	DOC 80-139574
Instrument Date	May 12, 2020
Instrument	2020-0252053
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WESTERN RESOURCES TITLE CO

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
Relationship	Joint Tenants
Address	528 PILE ST, RAMONA, CA 92065-1524

Mortgage

Document Number	0000252054
Date	May 18, 2020
Instrument	2020-0252054

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company

Agreement

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

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		$870,188 (+2%) Land $429,315 Building $440,873
2025	$9,190.00 (+12.89%) Homeowner's exemption	$853,127 (+10.22%) Land $420,898 Building $432,229
2023	$8,141.00 (+15%) Homeowner's exemption	$774,000 Land $381,000 Building $393,000
2022	$7,079.00

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Very High above 93% of the US · above 78% 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.

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