780 Elm St, Ramona, CA 92065 Property Records

San Diego County property record for 780 Elm St, Ramona, CA 92065

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,512 sqft · built 2022
Lot Size	2.93 acres (128,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Mar 2017)
Tax Bill	$4,557 (2025)
Deeds & Mortgages	Nov 2021 Transfer Jun 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`280-062-06-00`

Property Details

APN / Parcel Number

Primary APN	`280-062-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Mobile Home
Lot Area	128,066 sqft

Location & Zoning

Street Address	780 ELM ST
City	RAMONA
State	CA
Zip	92065-1400
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	A70
Legal Description	BLK 376 /EXC NLY 6.5 FT/ & /EXC SLY 198 FT/ E 1/2 OF SW 1/4 TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	376
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1007
Census Tract	20812

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	2 Individual Names on Record
Mailing Address	780 ELM ST, RAMONA, CA 92065-1400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Intrafamily Transfer, Transfer
Jun 18, 2021	Intrafamily Transfer, Transfer · Construction Mortgage LAND-HOME FINANCIAL SERVICES
Mar 10, 2017	Grant Deed, Transfer · Conventional with PMI BENJAMIN A PACHECO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2017 · Amount on Record
Deed Sale	Mar 10, 2017 · Amount on Record
Prior Sale	Dec 17, 2012 · Amount on Record
Deed Document Number	2017110681
Last Transfer Date	Nov 16, 2021
Transfer Doc	0000794082
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 17, 2021
Property Address	780 ELM ST, RAMONA, CA 92065-1400
Document Number	0000794082
Map Reference	MAP 644
Instrument Date	Nov 16, 2021
Instrument	2021-0794082
Transaction Type	Transfer
Record Updated	Aug 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	780 ELM ST, RAMONA, CA 92065-1400

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 18, 2021
Property Address	780 ELM ST, RAMONA, CA 92065-1400
Document Number	0000446337
Map Reference	MAP 644
Instrument Date	Aug 22, 2020
Instrument	2021-0446337
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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	780 ELM ST, RAMONA, CA 92065-1400

Mortgage

Document Number	0000446338
Date	Jun 18, 2021
Instrument	2021-0446338

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jul 1, 2052

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2017
Property Address	780 ELM ST, RAMONA, CA 92065-1400
Document Number	0000110681
Instrument Date	Feb 3, 2017
Instrument	110681
Transaction Type	Transfer
Record Updated	Mar 16, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23 ISLAY RANCHO SANTA MARGARITA CA 926881100, RANCHO SANTA MARGARITA, CA 92688-1100

Mortgage

Document Number	110682
Date	Mar 10, 2017
Instrument	110682

Lender

Name	BENJAMIN A PACHECO
Address	3263 DYE RD, RAMONA, CA 92065-3620
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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		$403,823 (+2%) Land $241,243 Building $162,580
2025	$4,557.00 (+18.52%) Homeowner's exemption	$395,906 (+8.4%) Land $236,513 Building $159,393
2023	$3,845.00 (+39.56%) Homeowner's exemption	$365,234 Land $212,030 Building $153,204
2022	$2,755.00

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
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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 84% of the US · above 64% of California
Wildfire Likelihood	0.7% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Cox Communications, Verizon.

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