San Diego County property record for 487 Gem Ln, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,877 sqft · built 1981 |
| Lot Size | 20 acres (872,942 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $500,000 (Nov 2002) |
| Tax Bill | $8,217 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 284-110-51-00 |
| Primary APN | 284-110-51-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,877 sqft Living Area |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 872,942 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 487 GEM LN |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-3768 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | BLK 446 (EX W H)ST CLSD ADJ& TR 000643 |
| Legal Subdivision | RAMONA |
| Legal Tract | 000643 |
| Legal Block | 446 |
| Legal Lot Number | 446 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20813 |
487 Gem Ln is owner-occupied and held in a trust since November 2002.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 487 GEM LN, RAMONA, CA 92065-3768 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2002 · Amount on File |
| Deed Sale | Nov 4, 2002 · Amount on File |
| Prior Sale | Apr 24, 2002 · Amount on File |
| Deed Document Number | 2002983624 |
| Prior Transfer Date | Jul 8, 1994 |
| Prior Transfer Doc | 0000455935 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 487 GEM LN, RAMONA, CA 92065-3768 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 487 GEM LN, RAMONA, CA 92065-3768 |
| Document Number | 0000284195 |
|---|---|
| Date | Apr 13, 2021 |
| Instrument | 2021-0284195 |
| Name | AXOS BANK |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92122 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 487 Gem Ln was $8,217.
Source: San Diego County assessment roll, as of July 28, 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 | $738,631 (+2%) Land $295,452 Building $443,179 | |
| 2025 | $8,217.00 Homeowner's exemption | $724,149 Land $289,659 Building $434,490 |
| 2023 | $7,709.00 (-1%) Homeowner's exemption | $696,031 Land $278,412 Building $417,619 |
| 2022 | $7,787.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 487 Gem Ln in Zone X, an area of minimal flood risk.
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 | 7 in force |
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 risk around 487 Gem Ln is extreme, ranking above 97.4% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 97.4% of the US · above 86% of California |
|---|---|
| Wildfire Likelihood | 2% 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.
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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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