819 Gem Ln, Ramona, CA 92065 Property Records

San Diego County property record for 819 Gem Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,352 sqft · built 1979
Lot Size	8.96 acres (390,298 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Mar 2017)
Tax Bill	$10,521 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`284-102-11-00`

Property Details

APN / Parcel Number

Primary APN	`284-102-11-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,352 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	390,298 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	819 GEM LN
City	RAMONA
State	CA
Zip	92065-3761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 448 PAR PER ROS 6952 IN TR 000643
Legal Subdivision	RAMONA
Legal Tract	000643
Legal Block	448
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2006
Census Tract	20813

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	819 GEM LN, RAMONA, CA 92065-3761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUORUM FEDERAL CU
Apr 25, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Apr 23, 2019	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Mar 24, 2017	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2017 · Amount on Record
Deed Sale	Mar 24, 2017 · Amount on Record
Prior Sale	Jan 5, 1987 · Amount on Record
Deed Document Number	2017133539
Prior Transfer Date	Apr 29, 1998
Prior Transfer Doc	0000259140
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	819 GEM LN, RAMONA, CA 92065-3761
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	819 GEM LN, RAMONA, CA 92065-3761

Mortgage

Document Number	0000661838
Date	Sep 20, 2021
Instrument	2021-0661838

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	819 GEM LN, RAMONA, CA 92065-3761
Document Number	0000219897
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	819 GEM LN RAMONA CA 920653761, RAMONA, CA 92065-3761

Mortgage

Document Number	0000219897
Date	Apr 30, 2020
Instrument	219897

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	819 GEM LN, RAMONA, CA 92065-3761
Document Number	0000156553
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	819 GEM LN RAMONA CA 920653761, RAMONA, CA 92065-3761

Mortgage

Document Number	0000156553
Date	Apr 29, 2019
Instrument	156553

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 24, 2017
Property Address	819 GEM LN, RAMONA, CA 92065-3761
Document Number	0000133539
Instrument Date	Jan 31, 2017
Instrument	133539
Transaction Type	Transfer
Record Updated	Mar 30, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$852.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	819 GEM LN RAMONA CA 920653761, RAMONA, CA 92065-3761

Mortgage

Document Number	133540
Date	Mar 24, 2017
Instrument	133540

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$976,971 (+2%) Land $358,991 Building $617,980
2025	$10,521.00 (+6.15%)	$957,815 (+4.04%) Land $351,952 Building $605,863
2023	$9,911.00 (-0.44%)	$920,624 Land $338,286 Building $582,338
2022	$9,955.00

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	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

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

Wildfire Risk	Very High above 92% of the US · above 76% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gem Ln

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