1432 Gerlar Ln, Ramona, CA 92065 Property Records

San Diego County property record for 1432 Gerlar Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,824 sqft · built 1976
Lot Size	1.23 acres (54,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Aug 2018)
Tax Bill	$6,149 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`282-273-16-00`

Property Details

APN / Parcel Number

Primary APN	`282-273-16-00`
Alternative APN	`2822832600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,824 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	54,014 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	2822832600
Street Address	1432 GERLAR LN
City	RAMONA
State	CA
Zip	92065-2631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PAR 3 TR PM03511
Legal Tract	3511
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2001
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	1432 GERLAR LN, RAMONA, CA 92065-2631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 19, 2020	Loan Modification, Mortgage · Conventional Mortgage GUILD MTG
Aug 24, 2018	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Aug 24, 2018	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Aug 24, 2018	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Prior Sale	May 12, 2000 · Amount on Record
Deed Document Number	2018350021
Prior Transfer Date	Aug 21, 2018
Prior Transfer Doc	0000350019
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1432 GERLAR LN, RAMONA, CA 92065-2631
Document Number	0000384490
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1432 GERLAR LN RAMONA CA 920652631, RAMONA, CA 92065-2631

Mortgage

Document Number	0000384490
Date	Jul 17, 2020
Instrument	384490

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	1432 GERLAR LN, RAMONA, CA 92065-2631
Document Number	0000469839
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1432 GERLAR LN RAMONA CA 920652631, RAMONA, CA 92065-2631

Mortgage

Document Number	0000469839
Date	Aug 20, 2020
Instrument	469839

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

Interest

Rate	3.5%

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2018
Property Address	1432 GERLAR LN, RAMONA, CA 92065-2631
Document Number	0000350019
Instrument Date	Aug 21, 2018
Instrument	350019
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10060 RANCHO CAPITAN LAKESIDE CA 920402500, LAKESIDE, CA 92040-2500

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2018
Property Address	1432 GERLAR LN, RAMONA, CA 92065-2631
Document Number	0000350021
Map Reference	FILE 75-035842
Instrument Date	Jul 30, 2018
Instrument	2018-0350021
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1432 GERLAR LN, RAMONA, CA 92065-2631

Mortgage

Document Number	0000350022
Date	Aug 24, 2018
Instrument	2018-0350022

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2018
Property Address	1432 GERLAR LN, RAMONA, CA 92065-2631
Document Number	0000350020
Instrument Date	Jul 30, 2018
Instrument	350020
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3220 RAMONA CA 920650955, RAMONA, CA 92065-0955

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		$551,843 (+2%) Land $312,901 Building $238,942
2025	$6,149.00 (+11.37%)	$541,023 (+4.04%) Land $306,766 Building $234,257
2023	$5,521.00 (-5.07%)	$520,015 Land $294,854 Building $225,161
2022	$5,816.00

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 70% of the US · above 45% of California
Wildfire Likelihood	0.3% 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 351 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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