405 Lor Lar Ln, Ramona, CA 92065 Property Records

San Diego County property record for 405 Lor Lar Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,102 sqft · built 1995
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on Record
Last Sale	$156,500 (Dec 1992)
Tax Bill	$6,609 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-075-27-00`

Property Details

APN / Parcel Number

Primary APN	`281-075-27-00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Building Area	3,102 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	53,579 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	405 LOR LAR LN
City	RAMONA
State	CA
Zip	92065-1958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 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

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	Individual Name on Record
Mailing Address	405 LOR LAR LN, RAMONA, CA 92065-1958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 1992 · Amount on Record
Deed Sale	Dec 28, 1992 · Amount on Record
Prior Sale	May 2, 1988 · Amount on Record
Deed Document Number	1992830650
Last Transfer Date	May 27, 2020
Transfer Doc	0000285053
Record Updated	Oct 29, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2020
Property Address	405 LOR LAR LN, RAMONA, CA 92065-1958
Document Number	0000285053
Instrument Date	May 27, 2020
Instrument	2020-0285053
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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
Address	405 LOR LAR LN, RAMONA, CA 92065-1958

Mortgage

Document Number	0000285054
Date	Jun 4, 2020
Instrument	2020-0285054

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

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		$622,818 (+2%) Land $83,859 Building $538,959
2025	$6,609.00 (+7.43%) Homeowner's exemption	$610,607 (+4.04%) Land $82,215 Building $528,392
2023	$6,152.00 (-1.52%) Homeowner's exemption	$586,898 Land $79,023 Building $507,875
2022	$6,247.00

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
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.

Wildfire

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.

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 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