695 Moonlight Way, Ramona, CA 92065 Property Records

San Diego County property record for 695 Moonlight Way, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1960
Lot Size	1.18 acres (51,401 sqft)
Owner	Company Name on Record
Last Sale	$510,000 (Jun 2007)
Tax Bill	$7,378 (2025)
Deeds & Mortgages	Jul 2020 Transfer Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-092-18-00`

Property Details

APN / Parcel Number

Primary APN	`281-092-18-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	51,401 sqft
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	695 MOONLIGHT WAY
City	RAMONA
State	CA
Zip	92065-1875
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	REMAINDER PAR TR PM16059
Legal Subdivision	DAVIS
Legal Tract	16059
Legal Block	1
Legal Lot Number	30,55
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 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	695 MOONLIGHT WAY, RAMONA, CA 92065-1875
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Quit Claim Deed, Transfer WESTERN RESOURCES TITLE
Jul 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2007 · Amount on Record
Deed Sale	Jun 13, 2007 · Amount on Record
Prior Sale	Oct 23, 1996 · Amount on Record
Deed Document Number	2007400040
Last Transfer Date	Jun 22, 2020
Transfer Doc	0000405426
Record Updated	Oct 29, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2020
Property Address	695 MOONLIGHT WAY, RAMONA, CA 92065-1875
Document Number	0000405426
Instrument Date	Jun 22, 2020
Instrument	405426
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	WESTERN RESOURCES TITLE

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	695 MOONLIGHT WAY RAMONA CA 920651875, RAMONA, CA 92065-1875

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 24, 2020
Property Address	695 MOONLIGHT WAY, RAMONA, CA 92065-1875
Document Number	0000401688
Map Reference	FILE 90-16059
Instrument Date	Jun 22, 2020
Instrument	2020-0401688
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WESTERN RESOURCES TITLE CO

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	695 MOONLIGHT WAY, RAMONA, CA 92065-1875

Mortgage

Document Number	0000401689
Date	Jul 24, 2020
Instrument	2020-0401689

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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		$696,904 (+2%) Land $341,620 Building $355,284
2025	$7,378.00 (+17.28%) Homeowner's exemption	$683,240 (+13.87%) Land $334,922 Building $348,318
2023	$6,291.00 (-1.75%) Homeowner's exemption	$600,000 Land $287,000 Building $313,000
2022	$6,403.00

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 80% of the US · above 58% of California
Wildfire Likelihood	0.6% 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 69 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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