1345 Darcy Ln, Ramona, CA 92065 Property Records

San Diego County property record for 1345 Darcy Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,217 sqft · built 1994
Lot Size	1.15 acres (50,094 sqft)
Owner	Company Name on Record
Last Sale	$149,000 (Mar 1992)
Tax Bill	$6,585 (2025)
Deeds & Mortgages	May 2022 Transfer Apr 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`282-351-24-00`

Property Details

APN / Parcel Number

Primary APN	`282-351-24-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,217 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	50,094 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1345 DARCY LN
City	RAMONA
State	CA
Zip	92065-3349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM10195
Legal Subdivision	PARCEL MAP NO 10195
Legal Tract	10195
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2005
Census Tract	20806

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	1345 DARCY LN, RAMONA, CA 92065-3349
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Intrafamily Transfer, Transfer
Apr 15, 2021	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 12, 2017	Deed of Trust, Mortgage · Conventional with PMI ETHOS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 1992 · Amount on Record
Deed Sale	Mar 27, 1992 · Amount on Record
Prior Sale	Dec 19, 1983 · Amount on Record
Deed Document Number	1992172925
Last Transfer Date	May 12, 2022
Transfer Doc	0000207629
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 13, 2022
Property Address	1345 DARCY LN, RAMONA, CA 92065-3349
Document Number	0000207629
Instrument Date	May 12, 2022
Instrument	2022-0207629
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	1345 DARCY LN, RAMONA, CA 92065-3349

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1345 DARCY LN, RAMONA, CA 92065-3349
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1345 DARCY LN, RAMONA, CA 92065-3349

Mortgage

Document Number	0000294582
Date	Apr 15, 2021
Instrument	2021-0294582

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 30, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1345 DARCY LN, RAMONA, CA 92065-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1345 DARCY LN, RAMONA, CA 92065-3349

Mortgage

Document Number	0000728890
Date	Nov 18, 2020
Instrument	2020-0728890

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1345 DARCY LN, RAMONA, CA 92065-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000485070
Date	Oct 25, 2019
Instrument	2019-0485070

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2039

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1345 DARCY LN, RAMONA, CA 92065-3349
Document Number	0000222089
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1345 DARCY LN RAMONA CA 920653349, RAMONA, CA 92065-3349

Mortgage

Document Number	0000222089
Date	May 17, 2017
Instrument	222089

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

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		$620,649 (+2%) Land $93,726 Building $526,923
2025	$6,585.00 (+7.46%) Homeowner's exemption	$608,481 (+4.04%) Land $91,889 Building $516,592
2023	$6,128.00 (-1.56%) Homeowner's exemption	$584,855 Land $88,322 Building $496,533
2022	$6,225.00

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	6 (1980–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jan 2016 · rainfall accumulation

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	High above 84% of the US · above 63% of California
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

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 73 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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