1311 Cedar St, Ramona, CA 92065 Property Records

San Diego County property record for 1311 Cedar St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,116 sqft · built 1997
Lot Size	3.16 acres (137,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$433,683 (Feb 2014)
Tax Bill	$5,185 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`280-072-16-00`

Property Details

APN / Parcel Number

Primary APN	`280-072-16-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,116 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Lot Area	137,650 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1311 CEDAR ST
City	RAMONA
State	CA
Zip	92065-1323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 9-13-1E WLY PAR PER ROS 8199 IN TR 000863
Legal Range	01E
Legal Township	13
Legal Section	09
Legal Subdivision	RANCHO SANTA FE
Legal Tract	000863
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1002
Census Tract	20806

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	1311 CEDAR ST, RAMONA, CA 92065-1323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit MISSION FEDERAL CREDIT UNION
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Jun 20, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2014 · Amount on Record
Deed Sale	Feb 28, 2014 · Amount on Record
Prior Sale	May 28, 1999 · Amount on Record
Deed Document Number	201481203
Prior Transfer Date	Jun 25, 2003
Prior Transfer Doc	0000769470
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 8, 2026
Property Address	1311 CEDAR ST, RAMONA, CA 92065-1323
Document Number	0000096193
Instrument Date	Apr 1, 2026
Instrument	202696193
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1311 CEDAR ST, RAMONA, CA 92065-1323

Mortgage

Document Number	0000096193,
Date	Apr 8, 2026
Instrument	202696193

Lender

Name	MISSION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 30, 2051

Interest

Rate	6%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1311 CEDAR ST, RAMONA, CA 92065-1323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1311 CEDAR ST, RAMONA, CA 92065-1323

Mortgage

Document Number	0000843879
Date	Dec 30, 2020
Instrument	2020-0843879

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1311 CEDAR ST, RAMONA, CA 92065-1323
Document Number	0000288364
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1311 CEDAR ST RAMONA CA 920651323, RAMONA, CA 92065-1323

Mortgage

Document Number	0000288364
Date	Jun 26, 2017
Instrument	288364

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2047

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		$481,303 (+2%) Land $163,258 Building $318,045
2025	$5,185.00 (-1.63%) Homeowner's exemption	$471,866 (+4.04%) Land $160,057 Building $311,809
2024	$5,271.00 (+10.11%)
2023	$4,787.00 (-2.39%) Homeowner's exemption	$453,545 Land $153,843 Building $299,702
2022	$4,904.00

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	2 in force
Nearby Flood Claims	3 (1995–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	1% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures