620 Elm St, Ramona, CA 92065 Property Records

San Diego County property record for 620 Elm St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 1978
Lot Size	4.36 acres (189,922 sqft)
Owner	2 Company Names on Record
Last Sale	$450,000 (Oct 2003)
Tax Bill	$7,696 (2025)
Deeds & Mortgages	Oct 2025 Transfer Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`280-088-05-00`

Property Details

APN / Parcel Number

Primary APN	`280-088-05-00`
Alternative APN	`2800930500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,602 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	189,922 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	2800930500
Street Address	620 ELM ST
City	RAMONA
State	CA
Zip	92065-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 223 TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	223
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1025
Census Tract	20812

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	2 Company Names on Record
Mailing Address	620 ELM ST, RAMONA, CA 92065-1904
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Intrafamily Transfer, Transfer
Mar 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 26, 2018	Quit Claim Deed, Transfer · Conventional Mortgage WEST COAST FUNDING AND REAL ESTATE SERVI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2003 · Amount on Record
Deed Sale	Oct 6, 2003 · Amount on Record
Prior Sale	Nov 30, 1994 · Amount on Record
Deed Document Number	20031229893
Last Transfer Date	Jan 31, 2007
Transfer Doc	0000083806
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2025
Property Address	620 ELM ST, RAMONA, CA 92065-1904
Document Number	0000303188
Map Reference	MAP 643
Instrument Date	Oct 20, 2025
Instrument	2025-0303188
Transaction Type	Transfer
Record Updated	Nov 7, 2025

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	Family Trust
Address	620 ELM ST, RAMONA, CA 92065-1904
Investor	Possibly a Property Investor

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	620 ELM ST, RAMONA, CA 92065-1904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000143746
Date	Mar 19, 2020
Instrument	2020-0143746

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2018
Property Address	620 ELM ST, RAMONA, CA 92065-1904
Document Number	0000074981
Instrument Date	Jan 9, 2018
Instrument	74981
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	WFG TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	620 ELM ST RAMONA CA 920651904, RAMONA, CA 92065-1904

Mortgage

Document Number	74982
Date	Feb 26, 2018
Instrument	74982

Lender

Name	WEST COAST FUNDING AND REAL ESTATE SERVI
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2048

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		$717,512 (+2%) Land $326,283 Building $391,229
2025	$7,696.00 (+7.49%) Homeowner's exemption	$703,444 (+4.04%) Land $319,886 Building $383,558
2023	$7,160.00 (+7.77%) Homeowner's exemption	$676,130 Land $307,465 Building $368,665
2022	$6,644.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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	0.8% 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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