San Diego County property record for 672 Philton Dr, Ramona, CA 92065 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,504 sqft · built 1988 |
| Lot Size | 4.2 acres (182,952 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,030,000 (Jan 2025) |
| Tax Bill | $8,054 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Feb 2024 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 281-493-03-00 |
| Primary APN | 281-493-03-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,504 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 182,952 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Old Parcel Number | 2814915300 |
|---|---|
| Street Address | 672 PHILTON DR |
| City | RAMONA |
| State | CA |
| Zip | 92065-2962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAR 3 TR PM09479 |
| Legal Subdivision | PARCEL MAP NO 9479 |
| Legal Tract | 1009479 |
| Legal Block | 3 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20813 |
Source: San Diego County records · APN 281-493-03-00
Assessment roll updated July 28, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Feb 29, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| Jan 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| Sep 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC |
| Nov 21, 2018 | Quit Claim Deed, Transfer STEWART TITLE |
| Nov 21, 2018 | Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 30, 2025 · Amount on Record |
| Deed Sale | Jan 30, 2025 · Amount on Record |
| Prior Sale | Nov 21, 2018 · Amount on Record |
| Deed Document Number | 202524334 |
| Prior Transfer Date | Oct 16, 2018 |
| Prior Transfer Doc | 0000484942 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Title Company | FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Document Number | 0000291240 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025-0291240 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Nov 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Transaction Type | Mortgage |
| Record Updated | Mar 08, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Document Number | 0000050608 |
|---|---|
| Date | Feb 29, 2024 |
| Instrument | 2024-0050608 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 04, 2022 |
| Name | Verified Name |
|---|---|
| Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Document Number | 0000039391 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 2022-0039391 |
| Name | LOANCARE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Document Number | 0000645562 |
|---|---|
| Date | Sep 13, 2021 |
| Instrument | 2021-0645562 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000105787 |
|---|---|
| Date | Feb 28, 2020 |
| Instrument | 2020-0105787 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | LEWISVILLE, TX 75057 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 21, 2018 |
| Property Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Document Number | 0000484942 |
| Instrument Date | Oct 16, 2018 |
| Instrument | 484942 |
| Transaction Type | Transfer |
| Record Updated | Dec 03, 2018 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 672 PHILTON DR RAMONA CA 920652962, RAMONA, CA 92065-2962 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 21, 2018 |
| Property Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Document Number | 0000484943 |
| Map Reference | DOC79-522544 |
| Instrument Date | Oct 09, 2018 |
| Instrument | 2018-0484943 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 672 PHILTON DR, RAMONA, CA 92065-2962 |
| Document Number | 0000484944 |
|---|---|
| Date | Nov 21, 2018 |
| Instrument | 2018-0484944 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Apr 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 5% |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,050,600 (+43.79%) Land $612,000 Building $438,600 | |
| 2025 | $8,054.00 (+7.3%) | $730,659 (+4.04%) Land $273,981 Building $456,678 |
| 2023 | $7,506.00 (-1.52%) | $702,289 Land $263,343 Building $438,946 |
| 2022 | $7,622.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208133, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Extreme above 96% of the US · above 83% of California |
|---|---|
| Wildfire Likelihood | About 1 in 49 per year |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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.
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