958 Heritage Ranch Rd, Ramona, CA 92065 Property Records

San Diego County property record for 958 Heritage Ranch Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,255 sqft · built 2008
Lot Size	4.53 acres (197,762 sqft)
Owner	2 Trust Names on File
Last Sale	$1,340,000 (Sep 2022)
Tax Bill	$14,965 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`279-220-10-00`

Property Details

APN / Parcel Number

Primary APN	`279-220-10-00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Building Area	3,255 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	197,762 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	958 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 10 TR 015066
Legal Subdivision	SAN DIEGO #5244-1
Legal Tract	015066
Legal Block	1
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1039
Census Tract	20807

Owner

958 Heritage Ranch Rd is owner-occupied and held in a trust since October 2024.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Sep 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 6, 2017	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Jan 3, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 20, 2017	Grant Deed, Transfer · Conventional Mortgage SAN DIEGO COUNTY CU
Feb 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage ARNOLD FAMILY TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2022 · Amount on File
Deed Sale	Sep 19, 2022 · Amount on File
Prior Sale	Mar 20, 2017 · Amount on File
Deed Document Number	2022368516
Last Transfer Date	Oct 2, 2024
Transfer Doc	0000275146
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	TIMIOS TITLE INC, TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041

Mortgage

Document Number	0000217781
Date	Mar 19, 2021
Instrument	2021-0217781

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Aug 1, 2050

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14537 KENT HL, POWAY, CA 92064-3460

Mortgage

Document Number	0000368517
Date	Sep 19, 2022
Instrument	2022-0368517

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000251893
Date	Jun 6, 2017
Instrument	2017-0251893

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17%

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 3, 2020
Property Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041
Document Number	0000002237
Instrument Date	Jan 2, 2020
Instrument	2237
Transaction Type	Transfer
Record Updated	Jan 16, 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	Revocable Trust
Address	958 HERITAGE RANCH RD RAMONA CA 920651041, RAMONA, CA 92065-1041

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 20, 2017
Property Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041
Document Number	0000125272
Map Reference	MAP15066
Instrument Date	Feb 24, 2017
Instrument	2017-0125272
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY SD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041

Mortgage

Document Number	0000125273
Date	Mar 20, 2017
Instrument	2017-0125273

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	958 HERITAGE RANCH RD, RAMONA, CA 92065-1041
Document Number	0000086791
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	958 HERITAGE RANCH RD RAMONA CA 920651041, RAMONA, CA 92065-1041

Mortgage

Document Number	0000086791
Date	Feb 23, 2017
Instrument	86791

Lender

Name	ARNOLD FAMILY TRUST (PT)
Address	PO BOX 1782, RANCHO SANTA FE, CA 92067-1782

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 958 Heritage Ranch Rd was $14,965, up 2% from the year before.

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		$1,422,018 (+2%) Land $742,845 Building $679,173
2025	$14,965.00 (+2.05%)	$1,394,136 Land $728,280 Building $665,856
2024	$14,665.00 (+6.94%)
2023	$13,713.00 (+35.95%) Homeowner's exemption	$1,297,000 Land $677,000 Building $620,000
2022	$10,087.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 958 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

Wildfire risk around 958 Heritage Ranch Rd is very high, ranking above 91% of the US, with a 2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 91% of the US · above 75% 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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