928 Olive Ave, Ramona, CA 92065 Property Records

San Diego County property record for 928 Olive Ave, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,376 sqft · built 1999
Lot Size	1.18 acres (51,401 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,696 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`280-110-27-00`

Property Details

APN / Parcel Number

Primary APN	`280-110-27-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,376 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	51,401 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	928 OLIVE AVE
City	RAMONA
State	CA
Zip	92065-1551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 149 TR 000656
Legal Subdivision	VALLE DE LOS AMIGOS
Legal Tract	000656
Legal Block	1
Legal Lot Number	149
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1002
Census Tract	20812

Owner

Source: San Diego County records, as of August 11, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	928 OLIVE AVE, RAMONA, CA 92065-1551
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · VA Mortgage E HOME LOANS
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Sep 16, 2025	Intrafamily Transfer, Transfer
Jun 8, 2021	Intrafamily Transfer, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION
Sep 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 27, 2019	Quit Claim Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2021
Deed Sale	Jun 8, 2021
Prior Sale	Sep 27, 2019
Deed Document Number	2021423775
Prior Transfer Date	May 25, 2021
Prior Transfer Doc	0000423775
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 3, 2026
Property Address	928 OLIVE AVE, RAMONA, CA 92065-1551
Document Number	0000222141
Instrument Date	Jul 27, 2026
Instrument	2026222141
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	928 OLIVE AVE, RAMONA, CA 92065-1551

Mortgage

Document Number	0000222141,
Date	Aug 3, 2026
Instrument	2026222141

Lender

Name	E HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	928 OLIVE AVE, RAMONA, CA 92065-1551
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 OLIVE AVE, RAMONA, CA 92065-1551

Mortgage

Document Number	0000321843
Date	Nov 14, 2025
Instrument	2025-0321843

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2025
Property Address	928 OLIVE AVE, RAMONA, CA 92065-1551
Document Number	0000255644
Map Reference	MAP 656
Instrument Date	Aug 19, 2025
Instrument	2025-0255644
Transaction Type	Transfer
Record Updated	Sep 29, 2025

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	Family Trust
Address	928 OLIVE AVE, RAMONA, CA 92065-1551

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 8, 2021
Property Address	928 OLIVE AVE, RAMONA, CA 92065-1551
Document Number	0000423775
Map Reference	MAP 656
Instrument Date	May 25, 2021
Instrument	2021-0423775
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	TICOR TITLE RIVERSIDE

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	928 OLIVE AVE, RAMONA, CA 92065-1551

Mortgage

Document Number	0000423776
Date	Jun 8, 2021
Instrument	2021-0423776

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 2, 2020
Property Address	928 OLIVE AVE, RAMONA, CA 92065-1551
Document Number	0000509206
Instrument Date	Aug 26, 2020
Instrument	509206
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	928 OLIVE AVE RAMONA CA 920651551, RAMONA, CA 92065-1551

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 27, 2019
Property Address	928 OLIVE AVE, RAMONA, CA 92065-1551
Document Number	0000428221
Instrument Date	Aug 28, 2019
Instrument	428221
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	928 OLIVE AVE RAMONA CA 920651551, RAMONA, CA 92065-1551

Mortgage

Document Number	428222
Date	Sep 27, 2019
Instrument	428222

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

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		$245,263 (+2%) Land $98,966 Building $146,297
2025	$2,696.00 (+12.38%) Homeowner's exemption	$240,455 (+4.04%) Land $97,026 Building $143,429
2023	$2,399.00 (-5.96%) Homeowner's exemption	$231,119 Land $93,259 Building $137,860
2022	$2,551.00

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.

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 87% of the US · above 68% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct 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 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL	50 / 10

May also be available: Verizon.

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