1411 Cedar St, Ramona, CA 92065 Property Records

San Diego County property record for 1411 Cedar St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,244 sqft · built 1976
Lot Size	4.75 acres (206,910 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Jun 2016)
Tax Bill	$7,615 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`280-072-59-00`

Property Details

APN / Parcel Number

Primary APN	`280-072-59-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,244 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	206,910 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1411 CEDAR ST
City	RAMONA
State	CA
Zip	92065-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 3 TR PM03087
Legal Subdivision	RANCHO SANTA MARIA
Legal Tract	3087
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 28, 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	1411 CEDAR ST, RAMONA, CA 92065-1325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jul 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage SKYLINE FINANCIAL CORP
Jan 8, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2016 · Amount on Record
Deed Sale	Jun 27, 2016 · Amount on Record
Prior Sale	Dec 21, 1988 · Amount on Record
Deed Document Number	2016315566
Prior Transfer Date	May 2, 2016
Prior Transfer Doc	0000225858
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1411 CEDAR ST, RAMONA, CA 92065-1325
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1411 CEDAR ST, RAMONA, CA 92065-1325

Mortgage

Document Number	0000658705
Date	Sep 17, 2021
Instrument	2021-0658705

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1411 CEDAR ST, RAMONA, CA 92065-1325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000310987
Date	Jul 11, 2017
Instrument	2017-0310987

Lender

Name	SKYLINE FINANCIAL CORP
Type	Funding / Finance Company
Address	AGOURA HILLS, CA 91301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1411 CEDAR ST, RAMONA, CA 92065-1325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1411 CEDAR ST, RAMONA, CA 92065-1325

Mortgage

Document Number	0000007393
Date	Jan 8, 2019
Instrument	2019-0007393

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1411 CEDAR ST, RAMONA, CA 92065-1325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000292587
Date	Jun 8, 2020
Instrument	2020-0292587

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

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		$694,287 (+2%) Land $264,986 Building $429,301
2025	$7,615.00 (+9.76%) Homeowner's exemption	$680,675 (+4.04%) Land $259,791 Building $420,884
2023	$6,938.00 (-3.8%) Homeowner's exemption	$654,246 Land $249,704 Building $404,542
2022	$7,212.00

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.

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