862 Gem Ln, Ramona, CA 92065 Property Records

San Diego County property record for 862 Gem Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,000 sqft · built 2012
Lot Size	4.5 acres (196,020 sqft)
Owner	Individual Name on Record
Last Sale	$1,000 (Feb 2022)
Tax Bill	$5,684 (2025)
Deeds & Mortgages	May 2023 Reverse Mortgage Feb 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`284-142-15-00`

Property Details

APN / Parcel Number

Primary APN	`284-142-15-00`
Alternative APN	`2841420900`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	1,000 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	196,020 sqft

Location & Zoning

Old Parcel Number	2841420900
Street Address	862 GEM LN
City	RAMONA
State	CA
Zip	92065-3762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 459 PAR A PER DOC05-1001455 IN TR 000643
Legal Subdivision	RAMONA
Legal Tract	000643
Legal Block	459
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2002
Census Tract	20810

Owner

Source: San Diego County records, as of August 25, 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 Record
Mailing Address	862 GEM LN, RAMONA, CA 92065-3762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Grant Deed, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Feb 28, 2022	Correction Deed
Jan 18, 2022	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2022 · Amount on Record
Deed Sale	Feb 28, 2022 · Amount on Record
Prior Sale	Jan 18, 2022 · Amount on Record
Deed Document Number	202289634
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 22, 2023
Property Address	862 GEM LN, RAMONA, CA 92065-3762
Document Number	0000133043
Map Reference	MAP 644
Instrument Date	May 16, 2023
Instrument	2023-0133043
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 GEM LN, RAMONA, CA 92065-3762

Mortgage

Document Number	0000133044
Date	May 22, 2023
Instrument	2023-0133044

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.5%

February 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 28, 2022
Property Address	862 GEM LN, RAMONA, CA 92065-3762
Document Number	0000089634
Map Reference	MAP 644
Instrument Date	Jan 18, 2022
Instrument	2022-0089634
Record Updated	Jul 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 S ORANGE AVE, 416, EL CAJON, CA 92020-5111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 GEM LN, RAMONA, CA 92065-3762

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 18, 2022
Property Address	862 GEM LN, RAMONA, CA 92065-3762
Document Number	0000025107
Map Reference	MAP 644
Instrument Date	Jan 18, 2022
Instrument	2022-0025107
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 S ORANGE AVE, 416, EL CAJON, CA 92020-5111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 GEM LN, RAMONA, CA 92065-3762

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		$519,565 (+2%) Land $432,972 Building $86,593
2025	$5,684.00 (-1.35%)	$509,379 (+7.69%) Land $424,483 Building $84,896
2024	$5,762.00 (+13.09%)
2023	$5,095.00 (+38.15%)	$473,000 Land $394,000 Building $79,000
2022	$3,688.00

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
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

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

Wildfire Risk	Extreme above 97.5% of the US · above 87% 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 14 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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