San Diego County property record for 404 Lor Lar Ln, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,448 sqft · built 1989 |
| Lot Size | 1.23 acres (53,579 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $489,000 (May 2018) |
| Tax Bill | $6,135 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 281-075-26-00 |
| Primary APN | 281-075-26-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,448 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 53,579 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 404 LOR LAR LN |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-1957 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | PAR 3 TR PM14551 |
| Legal Subdivision | PARCEL MAP NO 14551 |
| Legal Tract | 14551 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 20812 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 404 LOR LAR LN, RAMONA, CA 92065-1957 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2021 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage CSTONE MORTGAGE INC |
| May 2, 2018 | Quit Claim Deed, Transfer WFG TITLE |
| May 2, 2018 | Grant Deed, Transfer · FHA Mortgage CSTONE MORTGAGE INC |
| May 9, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2018 · Amount on Record |
| Deed Sale | May 2, 2018 · Amount on Record |
| Prior Sale | May 11, 2015 · Amount on Record |
| Deed Document Number | 2018176270 |
| Prior Transfer Date | Apr 10, 2018 |
| Prior Transfer Doc | 0000176269 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 8, 2021 |
| Property Address | 404 LOR LAR LN, RAMONA, CA 92065-1957 |
| Document Number | 0000422817 |
| Instrument Date | May 27, 2021 |
| Instrument | 2021-0422817 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 LOR LAR LN, RAMONA, CA 92065-1957 |
| Document Number | 0000422818 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | 2021-0422818 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 404 LOR LAR LN, RAMONA, CA 92065-1957 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000466381 |
|---|---|
| Date | Oct 16, 2019 |
| Instrument | 2019-0466381 |
| Name | CSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 2, 2018 |
| Property Address | 404 LOR LAR LN, RAMONA, CA 92065-1957 |
| Document Number | 0000176269 |
| Instrument Date | Apr 10, 2018 |
| Instrument | 176269 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2018 |
| Title Company | WFG TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 8213 HARRIS AVE RAYTOWN MO 641382252, RAYTOWN, MO 64138-2252 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 2, 2018 |
| Property Address | 404 LOR LAR LN, RAMONA, CA 92065-1957 |
| Document Number | 0000176270 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 2018-0176270 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | WFG TITLE COMPANY OF CALIFOR |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 8213 HARRIS AVE, RAYTOWN, MO 64138-2252 |
| Document Number | 0000176271 |
|---|---|
| Date | May 2, 2018 |
| Instrument | 2018-0176271 |
| Name | CSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 9, 2017 |
| Property Address | 404 LOR LAR LN, RAMONA, CA 92065-1957 |
| Document Number | 0000207268 |
| Instrument Date | May 8, 2017 |
| Instrument | 207268 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 LOR LAR LN RAMONA CA 920651957, RAMONA, CA 92065-1957 |
Source: San Diego County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $577,010 (+2%) Land $286,148 Building $290,862 | |
| 2025 | $6,135.00 (+7.69%) Homeowner's exemption | $565,697 (+4.04%) Land $280,538 Building $285,159 |
| 2023 | $5,697.00 (-1.76%) Homeowner's exemption | $543,733 Land $269,646 Building $274,087 |
| 2022 | $5,799.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 17 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 37 units insured incl. 20 condo units |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 55% of California |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 101 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 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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