San Diego County property record for 955 Heritage Ranch Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,420 sqft · built 2018 |
| Lot Size | 5.86 acres (255,697 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,550,000 (Jan 2026) |
| Tax Bill | $17,454 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jan 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 279-220-07-00 |
| Primary APN | 279-220-07-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,420 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 255,697 sqft |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 955 HERITAGE RANCH RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-1041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | LOT 7 TR 015066 |
| Legal Subdivision | SAN DIEGO #5244-1 |
| Legal Tract | 015066 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 20807 |
955 Heritage Ranch Rd is owned and occupied by an individual who bought it in January 2026.
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 28, 2026 | Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| Apr 3, 2024 | Grant Deed, Transfer · Conventional Mortgage US BANK NA |
| Apr 13, 2018 | Deed of Trust, Mortgage · ARM MUFG UNION BANK NA |
| Apr 24, 2017 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE |
| Apr 21, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage BANNER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2026 · Amount on File |
| Deed Sale | Jan 28, 2026 · Amount on File |
| Prior Sale | Apr 3, 2024 · Amount on File |
| Deed Document Number | 202624260 |
| Prior Transfer Date | Apr 17, 2017 |
| Prior Transfer Doc | 0000181042 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Document Number | 0000128002 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 2021-0128002 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 28, 2026 |
| Property Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Document Number | 0000024260 |
| Map Reference | MAP 15066 |
| Instrument Date | Jan 9, 2026 |
| Instrument | 2026-0024260 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Document Number | 0000024261 |
|---|---|
| Date | Jan 28, 2026 |
| Instrument | 2026-0024261 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 3, 2024 |
| Property Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Document Number | 0000082738 |
| Map Reference | MAP 15066 |
| Instrument Date | Mar 6, 2024 |
| Instrument | 2024-0082738 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Document Number | 0000082739 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 2024-0082739 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | May 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.2% |
| Index | 1-Year T-Bill |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE OF CALIFORNIA |
| Name | Verified Name |
|---|
| Document Number | 0000148413 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 2018-0148413 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | May 1, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | May 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 6.25% |
| Index | 1-Year LIBOR |
| Max Rate | 10.2% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 24, 2017 |
| Property Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Document Number | 0000181042 |
| Instrument Date | Apr 17, 2017 |
| Instrument | 181042 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | PO BOX 423 RAMONA CA 920650423, RAMONA, CA 92065-0423 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 21, 2017 |
| Property Address | 955 HERITAGE RANCH RD, RAMONA, CA 92065-1041 |
| Document Number | 0000178510 |
| Map Reference | MAP15066 |
| Instrument Date | Apr 17, 2017 |
| Instrument | 2017-0178510 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 423, RAMONA, CA 92065-0423 |
| Document Number | 0000178511 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 2017-0178511 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 955 Heritage Ranch Rd was $17,454.
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 | $1,659,438 (+2%) Land $832,320 Building $827,118 | |
| 2025 | $17,454.00 Homeowner's exemption | $1,626,900 Land $816,000 Building $810,900 |
| 2023 | $11,298.00 (-0.19%) | $1,058,246 Land $327,692 Building $730,554 |
| 2022 | $11,320.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 955 Heritage Ranch Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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 File 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.
Wildfire risk around 955 Heritage Ranch Rd is high, ranking above 88% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 88% of the US · above 69% 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.
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 50 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 |
| AT&T DSL | 100 / 20 |
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