San Diego County property record for 654 Ramona Ave, Spring Valley, CA 91977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1977 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (May 1995) |
| Tax Bill | $3,140 (2025) |
| Deeds & Mortgages | Jul 2026 Reverse Mortgage Jul 2026 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 584-410-66-00 |
| Primary APN | 584-410-66-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Block |
| Construction Type | Frame |
| Lot Area | 7,500 sqft (0.172 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 654 RAMONA AVE |
|---|---|
| City | SPRING VALLEY |
| State | CA |
| Zip | 91977-5122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | BLK 30 LOTS 43&44 ST CLSD ADJ& TR 000441 |
| Legal Subdivision | COLONY OF LA PRESA |
| Legal Tract | 000441 |
| Legal Block | 30 |
| Legal Lot Number | 43,44 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 13909 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 654 RAMONA AVE, SPRING VALLEY, CA 91977-5122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER |
| Jul 2, 2026 | Deed of Trust, Mortgage · Reverse Mortgage ACCESS LENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 1995 · Amount on Record |
| Deed Sale | May 31, 1995 · Amount on Record |
| Deed Document Number | 1995228070 |
| Last Transfer Date | Mar 1, 2004 |
| Transfer Doc | 0000183404 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 2, 2026 |
| Property Address | 654 RAMONA AVE, SPRING VALLEY, CA 91977-5122 |
| Document Number | 0000191260 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 2026191260 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 654 RAMONA AVE, SPRING VALLEY, CA 91977-5122 |
| Document Number | 0000191260, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 2026191260 |
| Name | FEDERAL HOUSING COMMISSIONER |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 999 Months |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 2, 2026 |
| Property Address | 654 RAMONA AVE, SPRING VALLEY, CA 91977-5122 |
| Document Number | 0000191259 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 2026191259 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 654 RAMONA AVE, SPRING VALLEY, CA 91977-5122 |
| Document Number | 0000191259, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 2026191259 |
| Name | ACCESS LENDING |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 999 Months |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Secondary School District | Grossmont Union High School District (09 - 12) |
| Elementary School District | La Mesa-Spring Valley School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $213,959 (+2%) Land $91,692 Building $122,267 | |
| 2025 | $3,140.00 (+8.84%) Homeowner's exemption | $209,765 (+4.04%) Land $89,895 Building $119,870 |
| 2023 | $2,885.00 (+2.09%) Homeowner's exemption | $201,621 Land $86,405 Building $115,216 |
| 2022 | $2,826.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 2 (2010–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 2017 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Viejas Community System tribal government · serves 9,600 people · EPA ID 090600158 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 670 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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