San Diego County property record for 728 Cedar St, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,778 sqft · built 1979 |
| Lot Size | 4.41 acres (192,535 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,591 (2025) |
| Deeds & Mortgages | Sep 2022 Reverse Mortgage Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 280-084-05-00 |
| Primary APN | 280-084-05-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,778 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 192,535 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 2800940200 |
|---|---|
| Street Address | 728 CEDAR ST |
| City | RAMONA |
| State | CA |
| Zip | 92065-1418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | BLK 227 /EXC S 80 FT/ TR 000644 |
| Legal Subdivision | RAMONA |
| Legal Tract | 000644 |
| Legal Block | 227 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 20812 |
Source: San Diego County records · APN 280-084-05-00
Assessment roll updated July 28, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 728 CEDAR ST, RAMONA, CA 92065-1418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2022 | Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC |
| Sep 02, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Dec 11, 2019 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Nov 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING |
| Oct 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Sep 30, 2011 |
| Transfer Doc | 0000514461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 728 CEDAR ST, RAMONA, CA 92065-1418 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Title Company | FIRST AMERICAN TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 728 CEDAR ST, RAMONA, CA 92065-1418 |
| Document Number | 0000384213 |
|---|---|
| Date | Sep 30, 2022 |
| Instrument | 2022-0384213 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | EDMOND, OK 73013 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 889 Months |
| Due | Oct 20, 2096 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 728 CEDAR ST, RAMONA, CA 92065-1418 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Title Company | SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 728 CEDAR ST, RAMONA, CA 92065-1418 |
| Document Number | 0000625224 |
|---|---|
| Date | Sep 02, 2021 |
| Instrument | 2021-0625224 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Mar 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 728 CEDAR ST, RAMONA, CA 92065-1418 |
| Document Number | 0000023989 |
| Instrument Date | Dec 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 728 CEDAR ST RAMONA CA 920651418, RAMONA, CA 92065-1418 |
| Document Number | 0000023989 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 23989 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 728 CEDAR ST, RAMONA, CA 92065-1418 |
| Document Number | 0000490398 |
| Instrument Date | Nov 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 728 CEDAR ST RAMONA CA 920651418, RAMONA, CA 92065-1418 |
| Document Number | 0000490398 |
|---|---|
| Date | Nov 28, 2018 |
| Instrument | 490398 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 27, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 728 CEDAR ST, RAMONA, CA 92065-1418 |
| Document Number | 0000541738 |
| Instrument Date | Oct 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2017 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 728 CEDAR ST RAMONA CA 920651418, RAMONA, CA 92065-1418 |
| Document Number | 0000541738 |
|---|---|
| Date | Nov 21, 2017 |
| Instrument | 541738 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 20, 2047 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $224,745 (+2%) Land $91,229 Building $133,516 | |
| 2025 | $2,591.00 (+14.34%) Homeowner's exemption | $220,340 (+4.04%) Land $89,441 Building $130,899 |
| 2023 | $2,266.00 (-7.81%) Homeowner's exemption | $211,786 Land $85,969 Building $125,817 |
| 2022 | $2,458.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | High above 77% of the US · above 54% of California |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 101 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RAMONA MUNICIPAL WD serves 36,455 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures