634 10th St, Ramona, CA 92065 Property Records

San Diego County property record for 634 10th St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 624 sqft · built 1938
Lot Size	0.286 acres (12,449 sqft)
Owner	Trust Name on File
Tax Bill	$4,319 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`284-173-21-00`

Property Details

APN / Parcel Number

Primary APN	`284-173-21-00`
Alternative APN	`6680731600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	624 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	12,449 sqft (0.286 acres)

Location & Zoning

Old Parcel Number	6680731600
Street Address	634 10TH ST
City	RAMONA
State	CA
Zip	92065-3906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 108 (EX ST)SELY 50 FT OF SWLY 1/2 OF TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	108
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3029
Census Tract	20813

Owner

634 10th St is owner-occupied and held in a trust since September 2018.

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

Owner of Record	Trust Name on File
Mailing Address	634 10TH ST, RAMONA, CA 92065-3906
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Aug 25, 2020	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Sep 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 19, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Apr 17, 2018	Quit Claim Deed FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 6, 2018
Transfer Doc	0000398670
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	634 10TH ST, RAMONA, CA 92065-3906
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 10TH ST, RAMONA, CA 92065-3906

Mortgage

Document Number	0000347347
Date	May 5, 2021
Instrument	2021-0347347

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 25, 2020
Property Address	634 10TH ST, RAMONA, CA 92065-3906
Document Number	0000484349
Map Reference	MAP 643
Instrument Date	Jul 22, 2020
Instrument	2020-0484349
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	634 10TH ST, RAMONA, CA 92065-3906

Mortgage

Document Number	0000484350
Date	Aug 25, 2020
Instrument	2020-0484350

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 25, 2018
Property Address	634 10TH ST, RAMONA, CA 92065-3906
Document Number	0000398670
Instrument Date	Sep 6, 2018
Instrument	398670
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1950 DRIFTWOOD DR EL CENTRO CA 922434156, EL CENTRO, CA 92243-4156

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 19, 2018
Property Address	634 10TH ST, RAMONA, CA 92065-3906
Document Number	0000023646
Map Reference	MAP 643
Instrument Date	Jan 16, 2018
Instrument	2018-0023646
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

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	PO BOX 2062, RAMONA, CA 92065-0935

Mortgage

Document Number	0000023647
Date	Jan 19, 2018
Instrument	2018-0023647

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

April 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 17, 2018
Property Address	634 10TH ST, RAMONA, CA 92065-3906
Document Number	0000151850
Instrument Date	Jan 16, 2018
Instrument	151850
Record Updated	Apr 24, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 2062 RAMONA CA 920650935, RAMONA, CA 92065-0935

Tax Assessment & Valuation

The 2025 property tax bill for 634 10th St was $4,319 with a homeowner's exemption.

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		$322,793 (+2%) Land $236,352 Building $86,441
2025	$4,319.00 Homeowner's exemption	$316,465 Land $231,718 Building $84,747
2023	$3,989.00 (-3.39%) Homeowner's exemption	$304,178 Land $222,721 Building $81,457
2022	$4,129.00

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

Flood

FEMA maps place 634 10th St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 634 10th St is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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 431 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

May also be available: AT&T, T-Mobile, Verizon.

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