1145 Gem Ln, Ramona, CA 92065 Property Records

San Diego County property record for 1145 Gem Ln, Ramona, CA 92065

Property Summary

Property Type	Residential Vacant Land
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (May 2021)
Tax Bill	$1,001 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`283-082-18-00`

Property Details

APN / Parcel Number

Primary APN	`283-082-18-00`

Exterior

Lot Area	117,612 sqft

Location & Zoning

Street Address	1145 GEM LN
City	RAMONA
State	CA
Zip	92065-3755
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	A70
Legal Description	BLK 450 POR TR 000643
Legal Subdivision	RAMONA
Legal Tract	000643
Legal Block	450
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 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2852 SOUTHERN OAK RD, RAMONA, CA 92065-3669
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage DENNIS POLAND ETAL
Jun 8, 2022	Deed of Trust, Mortgage · VA Mortgage KIND LENDING LLC
May 3, 2021	Grant Deed, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Prior Sale	Mar 6, 2008 · Amount on Record
Deed Document Number	2021337056
Prior Transfer Date	Sep 21, 1994
Prior Transfer Doc	0000573983
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1145 GEM LN, RAMONA, CA 92065-3755
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11796 BARGER PL, RAMONA, CA 92065

Mortgage

Document Number	0000183993
Date	Apr 27, 2022
Instrument	2022-0183993

Lender

Name	DENNIS POLAND ETAL
Type	Private Party
Address	1145 GEM LN, RAMONA, CA 92065

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1145 GEM LN, RAMONA, CA 92065-3755
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 GEM LN, RAMONA, CA 92065-3755

Mortgage

Document Number	0000241858
Date	Jun 8, 2022
Instrument	2022-0241858

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2021
Property Address	1145 GEM LN, RAMONA, CA 92065-3755
Document Number	0000337056
Map Reference	MAP 644
Instrument Date	Mar 26, 2021
Instrument	2021-0337056
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2852 SOUTHERN OAK RD, RAMONA, CA 92065-3669

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$90,533 (+2%) Land $90,533
2025	$1,001.00 (+4.05%)	$88,758 (+4.04%) Land $88,758
2023	$962.00 (+1.48%)	$85,312 Land $85,312
2022	$948.00

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 92% 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 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

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