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840 Montecito Way, Ramona, CA 92065 Property Records

San Diego County property record for 840 Montecito Way, Ramona, CA 92065

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,209 sqft · built 2025
Lot Size6.83 acres (297,950 sqft)
OwnerCompany Name on Record
Tax Bill$6,184 (2025)
Deeds & MortgagesFeb 2021 Transfer
Dec 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN281-521-11-00

Property Details

APN / Parcel Number

Primary APN281-521-11-00
Alternative APN
  • 2815210600

Interior

Bedrooms3 Beds
Full Baths1 Bath
Building Area1,209 sqft Living Area

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Lot Area297,950 sqft

Location & Zoning

Old Parcel Number2815210600
Street Address840 MONTECITO WAY
CityRAMONA
StateCA
Zip92065-1623
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA70
Legal DescriptionSEC 17-13-1E W H 6.84 AC M/L IN TR 000863
Legal Range01E
Legal Township13
Legal Section17
Legal SubdivisionRANCHO SANTA FE
Legal Tract000863
Legal Block2
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group2
Census Block2016
Census Tract20801

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 RecordCompany Name on Record
Mailing Address840 MONTECITO WAY, RAMONA, CA 92065-1623
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Feb 8, 2021Intrafamily Transfer, Transfer
Dec 29, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC
Oct 20, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateJan 25, 2021
Transfer Doc0000097556
Record UpdatedSep 20, 2026

February 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateFeb 8, 2021
Property Address840 MONTECITO WAY, RAMONA, CA 92065-1623
Document Number0000097556
Map ReferenceMAP 863
Instrument DateJan 25, 2021
Instrument2021-0097556
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Revocable Trust
Address840 MONTECITO WAY, RAMONA, CA 92065-1623

December 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateDec 29, 2020
Property Address840 MONTECITO WAY, RAMONA, CA 92065-1623
Document Number0000839508
Map ReferenceMAP 863
Instrument DateDec 3, 2020
Instrument2020-0839508
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyFIDELITY NATL TTL SAN DIEGO

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address840 MONTECITO WAY, RAMONA, CA 92065-1623

Mortgage

Document Number0000839509
DateDec 29, 2020
Instrument2020-0839509
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateOct 20, 2020
Property Address840 MONTECITO WAY, RAMONA, CA 92065-1623
Document Number0000640442
Instrument DateOct 19, 2020
Instrument640442
Transaction TypeTransfer
Record UpdatedOct 28, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Amount AccuracyFull Value
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address840 MONTECITO WAY RAMONA CA 920651623, RAMONA, CA 92065-1623

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona City Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$551,843 (+2%) Land $443,752 Building $108,091
2025$6,184.00 (+11.06%) Homeowner's exemption$541,023 (+4.04%) Land $435,051 Building $105,972
2023$5,568.00 (-5.02%) Homeowner's exemption$520,016 Land $418,158 Building $101,858
2022$5,862.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims2 (1980–2017)
Claims Outside the SFHA1 of 2
Most Recent ClaimFeb 2017 · rainfall accumulation

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 RiskHigh
above 88% of the US · above 70% of California
Wildfire Likelihood1% annual chance
ExposureDirect
burnable vegetation

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 SystemRAMONA MUNICIPAL WD
serves 36,455 people · EPA ID CA3710019
Water SourcePurchased surface water from several systems
Last State InspectionOct 2022
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 6 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
San Diego Broadband
Fixed Wireless		500 / 100
Starlink
Satellite		280 / 30

May also be available: AT&T, Cox Communications.

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