540 Main St, Ramona, CA 92065 Property Records

San Diego County property record for 540 Main St, Ramona, CA 92065

Property Summary

Property Type	Mixed Use Store/Office
Details	1,440 sqft · built 1977
Lot Size	0.161 acres (6,997 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Mar 2008)
Tax Bill	$6,256 (2025)
Deeds & Mortgages	Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-352-16-00`

Property Details

APN / Parcel Number

Primary APN	`281-352-16-00`

Interior

Building Area	1,440 sqft Total Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	6,997 sqft (0.161 acres)

Location & Zoning

Street Address	540 MAIN ST
City	RAMONA
State	CA
Zip	92065-2042
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	RMV5
Legal Description	BLK 61 LOT 5 TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	61
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3011
Census Tract	20813

Owner

Source: San Diego County records · APN 281-352-16-00

Assessment roll updated 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	Individual Name on File
Mailing Address	25102 MESA ESTATES RD, RAMONA, CA 92065-5148
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 04, 2008 · Amount on Record
Deed Sale	Mar 04, 2008 · Amount on Record
Prior Sale	Jul 30, 2007 · Amount on Record
Deed Document Number	2008112126
Prior Transfer Date	Feb 28, 2008
Prior Transfer Doc	0000112127
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	540 MAIN ST, RAMONA, CA 92065-2042
Document Number	0000085744
Instrument Date	Mar 01, 2018
Transaction Type	Mortgage
Record Updated	Mar 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	25102 MESA ESTATES RD RAMONA CA 920655148, RAMONA, CA 92065-5148

Mortgage

Document Number	0000085744
Date	Mar 05, 2018
Instrument	85744

Lender

Name	PAUL & STEPHANIE NORVELL
Address	24504 BARONA MESA RD, RAMONA, CA 92065-4510

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$502,386 (+2%) Land $234,447 Building $267,939
2025	$6,256.00 (+29.98%)	$492,536 (+31.34%) Land $229,850 Building $262,686
2023	$4,813.00 (-4.01%)	$375,000 Land $172,000 Building $203,000
2022	$5,014.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	1 in force

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 413 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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

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 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.