San Diego County property record for 995 Laky Ln, Ramona, CA 92065 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1992 |
| Square Footage | 1,886 sqft Living Area |
| Lot Size | 2.21 acres |
| Occupancy | Owner Occupied |
| Last Sale | $825,000 (2026) |
| Tax Bill | $4,915.00 (2025) |
| Primary APN | 281-520-65-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,886 sqft Living Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional Style |
| Exterior Material | Wood Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 96,703 sqft |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Septic Sewage |
| Water Source | Commercial Water Source |
| Street Address | 995 LAKY LN |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-1639 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PAR 2 TR PM15971 |
| Legal Subdivision | PARCEL MAP NO 15971 |
| Legal Tract | 15971 |
| Legal Block | 2 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | RAMONA |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 20801 |
Source: San Diego County records · APN 281-520-65-00
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 | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 25, 2026 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 25, 2026 | Intrafamily Transfer, Transfer TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO |
| May 02, 2024 | Intrafamily Transfer, Transfer · Reverse Mortgage SOUTH RIVER MORTGAGE LLC |
| Sep 28, 2022 | Transfer on Death Deed, Transfer |
| Aug 11, 2022 | Transfer on Death Deed, Transfer |
| Jun 16, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Jun 16, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FINANCE OF AMERICA REVERSE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 25, 2026 · Amount on Record |
| Deed Sale | Feb 25, 2026 · Amount on Record |
| Prior Sale | May 31, 2013 |
| Deed Doc Number | 202652451 |
| Prior Transfer Date | Apr 24, 2024 |
| Prior Transfer Doc | 0000110488 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 25, 2026 |
| Property Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000052451 |
| Map Reference | FILE 90-058986 |
| Instrument Date | Jan 29, 2026 |
| Instrument | 2026-0052451 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2026 |
| Title Company | TICOR TITLE-SAN DIEGO, TICOR TITLE SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property (Marital Community) with Rights of Survivorship |
| Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000052452 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | 2026-0052452 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 25, 2026 |
| Property Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000052449 |
| Map Reference | MAP 15971 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 2026-0052449 |
| Transaction Type | Transfer |
| Record Updated | Mar 05, 2026 |
| Title Company | TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1070 5TH ST, RAMONA, CA 92065-2910 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 02, 2024 |
| Property Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000110488 |
| Map Reference | FILE 90-058986 |
| Instrument Date | Apr 24, 2024 |
| Instrument | 2024-0110488 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | NOT AVAILABLE, SUMMIT SETTLEMENT SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000110489 |
|---|---|
| Date | May 02, 2024 |
| Instrument | 2024-0110489 |
| Name | SOUTH RIVER MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.17% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jun 01, 2024 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 12.1% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 28, 2022 |
| Property Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000380652 |
| Map Reference | FILE 90-058986 |
| Instrument Date | Sep 12, 2022 |
| Instrument | 2022-0380652 |
| Transaction Type | Transfer |
| Record Updated | Oct 07, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 11, 2022 |
| Property Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000325897 |
| Map Reference | FILE 90-058986 |
| Instrument Date | Aug 11, 2022 |
| Instrument | 2022-0325897 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000291153 |
| Instrument Date | Jun 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 995 LAKY LN RAMONA CA 920651639, RAMONA, CA 92065-1639 |
| Document Number | 0000291153 |
|---|---|
| Date | Jun 28, 2017 |
| Instrument | 291153 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.47% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 995 LAKY LN, RAMONA, CA 92065-1639 |
| Document Number | 0000291152 |
| Instrument Date | Jun 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 06, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 995 LAKY LN RAMONA CA 920651639, RAMONA, CA 92065-1639 |
| Document Number | 0000291152 |
|---|---|
| Date | Jun 28, 2017 |
| Instrument | 291152 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | TULSA, OK 74137 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.47% |
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 | $851,700 (+91.61%) Land $561,000 Building $290,700 | |
| 2025 | $4,915.00 (-2.56%) | $444,494 (+4.04%) Land $195,576 Building $248,918 |
| 2024 | $5,044.00 (+12.29%) | |
| 2023 | $4,492.00 (-3.4%) Homeowner's exemption | $427,236 Land $187,983 Building $239,253 |
| 2022 | $4,650.00 |
995 Laky Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Very High risk).
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Very High 90th percentile of exposed land nationally · 73rd in California |
|---|---|
| Wildfire Likelihood | Very High — about 1 in 91 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures