738 Main St, #46, Ramona, CA 92065 Property Records

San Diego County property record for 738 Main St, #46, Ramona, CA 92065

Property Summary

Property Type	Mixed Use Store/Office
Details	20 bd · 12 ba · 3,500 sqft · built 1950
Lot Size	0.152 acres (6,619 sqft)
Owner	2 Company Names on File
Last Sale	$720,000 (Aug 2026)
Tax Bill	$7,403 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-321-16-00`

Property Details

APN / Parcel Number

Primary APN	`281-321-16-00`

Interior

Bedrooms	20 Beds
Full Baths	12 Baths
Stories	1 Story
Building Area	3,500 sqft Total Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Roof Type	Flat
Lot Area	6,619 sqft (0.152 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Open
Garage Area	3,000 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	HVAC

Location & Zoning

Street Address	738 MAIN ST, 46
City	RAMONA
State	CA
Zip	92065-2046
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	RMV5
Legal Description	BLK 59 LOT 6 TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	59
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3018
Census Tract	20813

Owner

738 Main St, #46 is owned by a company that bought it in August 2026.

Source: San Diego County records, as of August 26, 2026

Owner of Record	2 Company Names on File
Mailing Address	15732 HIGHLAND VALLEY RD, ESCONDIDO, CA 92025-3535
Owner Type	Company
Vesting	Life Tenant

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
Aug 18, 2026	Grant Deed, Transfer · Conventional Mortgage BANNER BANK
Apr 17, 2017	Deed of Trust, Mortgage STEIN FAMILY TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2026 · Amount on File
Deed Sale	Aug 18, 2026 · Amount on File
Prior Sale	Oct 24, 2000 · Amount on File
Deed Document Number	2026241081
Prior Transfer Date	Aug 22, 2014
Prior Transfer Doc	0000366671
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 18, 2026
Property Address	738 MAIN ST, 46, RAMONA, CA 92065-2046
Document Number	0000241081
Instrument Date	Jul 10, 2026
Instrument	2026241081
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79,992.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	15732 HIGHLAND VALLEY RD, ESCONDIDO, CA 92025-3535

Mortgage

Document Number	0000241082,
Date	Aug 18, 2026
Instrument	2026241082

Lender

Name	BANNER BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	738 MAIN ST # 46, 46, RAMONA, CA 92065-2046
Document Number	0000205097
Instrument Date	Apr 17, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14831 ESPOLA RD POWAY CA 920642728, POWAY, CA 92064-2728

Mortgage

Document Number	0000205097
Date	May 8, 2017
Instrument	205097

Lender

Name	STEIN FAMILY TRUST (PT)
Address	PO BOX 8654, RANCHO SANTA FE, CA 92067-8654

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 738 Main St, #46 was $7,403, up 1.3% from the year before.

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		$461,072 (+2%) Land $192,110 Building $268,962
2025	$7,403.00 (+1.33%)	$452,033 Land $188,344 Building $263,689
2024	$7,306.00 (+16.67%)
2023	$6,262.00 (-12.16%)	$434,481 Land $181,031 Building $253,450
2022	$7,129.00

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

Flood

FEMA maps place 738 Main St, #46 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 738 Main St, #46 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.04% 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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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