649 Moonlight Way, Ramona, CA 92065 Property Records

San Diego County property record for 649 Moonlight Way, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,742 sqft · built 1996
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,091,000 (Sep 2024)
Tax Bill	$11,797 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Mar 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`281-092-17-00`

Property Details

APN / Parcel Number

Primary APN	`281-092-17-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,742 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	45,738 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	649 MOONLIGHT WAY
City	RAMONA
State	CA
Zip	92065-1875
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 TR PM16059
Legal Subdivision	DAVIS TRACT
Legal Tract	16059
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1009
Census Tract	20806

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 Individual Names on Record
Mailing Address	649 MOONLIGHT WAY, RAMONA, CA 92065-1875
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Mar 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2024 · Amount on Record
Deed Sale	Sep 27, 2024 · Amount on Record
Prior Sale	Aug 4, 2016 · Amount on Record
Deed Document Number	2024261866
Prior Transfer Date	Feb 14, 2017
Prior Transfer Doc	0000134270
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 MOONLIGHT WAY, RAMONA, CA 92065-1875
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000539742
Date	Nov 20, 2017
Instrument	2017-0539742

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 24, 2017
Property Address	649 MOONLIGHT WAY, RAMONA, CA 92065-1875
Document Number	0000134270
Instrument Date	Feb 14, 2017
Instrument	134270
Transaction Type	Transfer
Record Updated	Mar 30, 2017
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	Personal Trust
Address	649 MOONLIGHT WAY RAMONA CA 920651875, RAMONA, CA 92065-1875

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		$1,112,820 (+2%) Land $561,000 Building $551,820
2025	$11,797.00 (+48.2%)	$1,091,000 (+43.83%) Land $550,000 Building $541,000
2023	$7,960.00 (-1.31%) Homeowner's exemption	$758,547 Land $280,172 Building $478,375
2022	$8,066.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1995–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 75% of the US · above 51% of California
Wildfire Likelihood	0.6% 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 143 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
Verizon Fixed Wireless	300 / 20

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

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