704 Heard Ln, Ramona, CA 92065 Property Records

San Diego County property record for 704 Heard Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,778 sqft · built 1997
Lot Size	0.252 acres (10,993 sqft)
Owner	2 Individual Names on Record
Last Sale	$645,000 (Jun 2021)
Tax Bill	$8,428 (2025)
Deeds & Mortgages	Jun 2021 Transfer Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`284-214-30-00`

Property Details

APN / Parcel Number

Primary APN	`284-214-30-00`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,778 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	10,993 sqft (0.252 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	704 HEARD LN
City	RAMONA
State	CA
Zip	92065-2300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PAR 4 TR PM17004
Legal Subdivision	PARCEL MAP NO 17004
Legal Tract	17004
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3027
Census Tract	20813

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	704 HEARD LN, RAMONA, CA 92065-2300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Jun 17, 2021	Grant Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Prior Sale	Mar 7, 2011 · Amount on Record
Deed Document Number	2021446273
Prior Transfer Date	May 28, 1997
Prior Transfer Doc	0000254153
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 17, 2021
Property Address	704 HEARD LN, RAMONA, CA 92065-2300
Document Number	0000446272
Instrument Date	May 27, 2021
Instrument	2021-0446272
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	CHICAGO TITLE COMPANY

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	704 HEARD LN, RAMONA, CA 92065-2300

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 17, 2021
Property Address	704 HEARD LN, RAMONA, CA 92065-2300
Document Number	0000446273
Instrument Date	May 21, 2021
Instrument	2021-0446273
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	704 HEARD LN, RAMONA, CA 92065-2300

Mortgage

Document Number	0000446274
Date	Jun 17, 2021
Instrument	2021-0446274

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	704 HEARD LN, RAMONA, CA 92065-2300
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092653
Date	Mar 8, 2018
Instrument	2018-0092653

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	704 HEARD LN, RAMONA, CA 92065-2300
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089810
Date	Feb 21, 2020
Instrument	2020-0089810

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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		$712,128 (+2%) Land $281,754 Building $430,374
2025	$8,428.00 (+6.27%)	$698,166 (+4.04%) Land $276,230 Building $421,936
2023	$7,931.00 (-1.04%)	$671,056 Land $265,504 Building $405,552
2022	$8,014.00

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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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