620 Gem Ln, Ramona, CA 92065 Property Records

San Diego County property record for 620 Gem Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,500 sqft · built 2002
Lot Size	8.48 acres (369,389 sqft)
Owner	2 Individual Names on File
Last Sale	$870,000 (Nov 2019)
Tax Bill	$10,369 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`284-150-13-00`

Property Details

APN / Parcel Number

Primary APN	`284-150-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,500 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	369,389 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	620 GEM LN
City	RAMONA
State	CA
Zip	92065-3715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 1 TR PM09801
Legal Subdivision	PARCEL MAP NO 9801
Legal Tract	9801
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2002
Census Tract	20810

Owner

620 Gem Ln is owned and occupied by two individuals who bought it in November 2019.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	620 GEM LN, RAMONA, CA 92065-3715
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 25, 2019	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2019 · Amount on File
Deed Sale	Nov 25, 2019 · Amount on File
Prior Sale	Dec 14, 2015 · Amount on File
Deed Document Number	2019548961
Prior Transfer Date	Mar 21, 2012
Prior Transfer Doc	0000192624
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	620 GEM LN, RAMONA, CA 92065-3715
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 GEM LN, RAMONA, CA 92065-3715

Mortgage

Document Number	0000106180
Date	Apr 29, 2024
Instrument	2024-0106180

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	620 GEM LN, RAMONA, CA 92065-3715
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 ST MICHAEL CT, CLOVERDALE, CA 95425-3878

Mortgage

Document Number	0000150825
Date	Feb 26, 2021
Instrument	2021-0150825

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 25, 2019
Property Address	620 GEM LN, RAMONA, CA 92065-3715
Document Number	0000548961
Map Reference	FILE 1980-087220
Instrument Date	Oct 23, 2019
Instrument	2019-0548961
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	620 GEM LN, RAMONA, CA 92065-3715

Mortgage

Document Number	0000548962
Date	Nov 25, 2019
Instrument	2019-0548962

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 620 Gem Ln was $10,369 with a homeowner's exemption.

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		$970,495 (+2%) Land $252,075 Building $718,420
2025	$10,369.00 Homeowner's exemption	$951,467 Land $247,133 Building $704,334
2023	$9,763.00 (-0.45%) Homeowner's exemption	$914,523 Land $237,538 Building $676,985
2022	$9,807.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 620 Gem Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2022

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

Wildfire risk around 620 Gem Ln is extreme, ranking above 97.8% 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 97.8% of the US · above 88% 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.

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 26 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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