San Diego County property record for 786 Rancho Trl, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,038 sqft · built 1989 |
| Lot Size | 4.23 acres (184,259 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,200,000 (Jul 2024) |
| Tax Bill | $842 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Apr 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 279-103-03-00 |
| Primary APN | 279-103-03-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,038 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 184,259 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Old Parcel Number | 2791011400 |
|---|---|
| Street Address | 786 RANCHO TRL |
| City | RAMONA |
| State | CA |
| Zip | 92065-7627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | PAR 2 TR PM12492 |
| Legal Subdivision | PARCEL MAP NO 12492 |
| Legal Tract | 1012492 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 20807 |
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 | 786 RANCHO TRL, RAMONA, CA 92065-7627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC |
| Apr 23, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Apr 22, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage ANCHOR FUNDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2024 · Amount on Record |
| Deed Sale | Jul 1, 2024 · Amount on Record |
| Prior Sale | Nov 8, 2004 · Amount on Record |
| Deed Document Number | 2024166355 |
| Prior Transfer Date | Apr 10, 2019 |
| Prior Transfer Doc | 0000146834 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 786 RANCHO TRL, RAMONA, CA 92065-7627 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 786 RANCHO TRL, RAMONA, CA 92065-7627 |
| Document Number | 0000828262 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 2020-0828262 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CORTE MADERA, CA 94925 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 23, 2019 |
| Property Address | 786 RANCHO TRL, RAMONA, CA 92065-7627 |
| Document Number | 0000146834 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 146834 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 786 RANCHO TRL RAMONA CA 920657627, RAMONA, CA 92065-7627 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 22, 2019 |
| Property Address | 786 RANCHO TRL, RAMONA, CA 92065-7627 |
| Document Number | 0000145155 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 2019-0145155 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | WESTERN RESOURCES TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 786 RANCHO TRL, RAMONA, CA 92065-7627 |
| Document Number | 0000145156 |
|---|---|
| Date | Apr 22, 2019 |
| Instrument | 2019-0145156 |
| Name | ANCHOR FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $60,024 (+2%) Land $34,994 Building $25,030 | |
| 2025 | $842.00 (-89.66%) Homeowner's exemption | $58,848 (-92.36%) Land $34,308 Building $24,540 |
| 2023 | $8,147.00 (-0.18%) Homeowner's exemption | $770,000 Land $340,000 Building $430,000 |
| 2022 | $8,162.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Jan 1993 · Severe Winter Storm, Mud & Land Slides, & Flooding |
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 | Extreme above 95% of the US · above 81% of California |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fixed Wireless in parts of the area | 50 / 10 |
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