1017 Gem Ln, Ramona, CA 92065 Property Records

San Diego County property record for 1017 Gem Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,600 sqft · built 2017
Lot Size	8.81 acres (384,199 sqft)
Owner	Company Name on Record
Tax Bill	$7,847 (2025)
Deeds & Mortgages	Aug 2022 Transfer Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`284-102-20-00`

Property Details

APN / Parcel Number

Primary APN	`284-102-20-00`
Alternative APN	`2841021400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,600 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	384,199 sqft
Parking Spaces	8 Parking Spaces

Location & Zoning

Old Parcel Number	2841021400
Street Address	1017 GEM LN
City	RAMONA
State	CA
Zip	92065-3757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 3 DOC13-548704 IN PAR 2& TR PM05984
Legal Tract	5984
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2015
Census Tract	20813

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 Record	Company Name on Record
Mailing Address	1017 GEM LN, RAMONA, CA 92065-3757
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Intrafamily Transfer, Transfer
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Feb 1, 2017	Trustee's Deed, Construction Loan · Construction Mortgage HOMESTREET BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 26, 2022
Transfer Doc	0000337767
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 22, 2022
Property Address	1017 GEM LN, RAMONA, CA 92065-3757
Document Number	0000337767
Map Reference	PL B77-0958
Instrument Date	Jul 26, 2022
Instrument	2022-0337767
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	1017 GEM LN, RAMONA, CA 92065-3757

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1017 GEM LN, RAMONA, CA 92065-3757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000162758
Date	Mar 30, 2020
Instrument	2020-0162758

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

February 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 1, 2017
Property Address	1017 GEM LN, RAMONA, CA 92065-3757
Instrument Date	Jan 30, 2017
Instrument	51934
Transaction Type	Construction Loan
Record Updated	Jun 15, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1017 GEM LN RAMONA CA 920653757, RAMONA, CA 92065-3757

Mortgage

Document Number	0000051934
Date	Feb 1, 2017
Instrument	51934

Lender

Name	HOMESTREET BK
Type	Bank
Address	SEATTLE, WA 98101-2326

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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		$740,912 (+2%) Land $265,233 Building $475,679
2025	$7,847.00 (+4.78%) Homeowner's exemption	$726,385 (+4.04%) Land $260,033 Building $466,352
2023	$7,489.00 (+0.97%) Homeowner's exemption	$698,181 Land $249,937 Building $448,244
2022	$7,417.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force

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	Very High above 90% of the US · above 72% 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 25 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gem Ln

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