1058 Gem Ln, Ramona, CA 92065 Property Records

San Diego County property record for 1058 Gem Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 1988
Lot Size	4.23 acres (184,694 sqft)
Owner	2 Individual Names on File
Last Sale	$689,000 (Apr 2019)
Tax Bill	$8,456 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`284-141-10-00`

Property Details

APN / Parcel Number

Primary APN	`284-141-10-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,716 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	184,694 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1058 GEM LN
City	RAMONA
State	CA
Zip	92065-3758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 1 TR PM09775
Legal Tract	9775
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2002
Census Tract	20810

Owner

1058 Gem Ln is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1058 GEM LN, RAMONA, CA 92065-3758
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 22, 2019	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Dec 29, 2016	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2019 · Amount on File
Deed Sale	Apr 22, 2019 · Amount on File
Prior Sale	Dec 17, 2008 · Amount on File
Deed Document Number	2019145866
Record Updated	Oct 29, 2026

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2019
Property Address	1058 GEM LN, RAMONA, CA 92065-3758
Document Number	0000145866
Instrument Date	Apr 1, 2019
Instrument	145866
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$757.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1058 GEM LN RAMONA CA 920653758, RAMONA, CA 92065-3758

Mortgage

Document Number	145867
Date	Apr 22, 2019
Instrument	145867

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2049

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1058 GEM LN, RAMONA, CA 92065-3758
Document Number	0000010263
Instrument Date	Dec 29, 2016
Transaction Type	Mortgage
Record Updated	Jan 13, 2017
Title Company	TSI TITLE COMPANY, TSI TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1058 GEM LN RAMONA CA 920653758, RAMONA, CA 92065-3758

Mortgage

Document Number	0000010263
Date	Jan 9, 2017
Instrument	10263

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1058 Gem Ln was $8,456.

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		$783,958 (+2%) Land $358,811 Building $425,147
2025	$8,456.00	$768,587 Land $351,776 Building $416,811
2023	$7,892.00 (-1.37%)	$738,744 Land $338,117 Building $400,627
2022	$8,002.00

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

Flood

FEMA maps place 1058 Gem Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2022

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 1058 Gem Ln is extreme, ranking above 96% 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	Extreme above 96% of the US · above 83% of California
Wildfire Likelihood	2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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