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Single Family ResidenceResidential
$1,142,515$342 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $68,000 on Jul 19, 1985

989 GEM LN

RAMONA, CA 92065
3
Beds
3.5
Baths
3,344 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
8.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.

Valuation

$1.1M
$1.1M low$1.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$68,000 · Jul 19, 1985

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,220 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$570,227 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$158,018
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$412,209
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$559,047

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.55
18
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
94
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
31
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
87
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN DIEGO
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Ramona High SchoolB
High · Grades 9–12 · 1.2 mi
M
Olive Peirce Middle SchoolC+
Middle · Grades 7–8 · 1.3 mi
E
Barnett Elementary SchoolC+
Elementary · Grades KG–6 · 2.7 mi

District: Ramona City Unified School District

Neighborhood · ZIP 92065These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.217

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.37,514
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.197 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$115,044
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$143,455
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.21 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

989 Gem Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 92% of homes in Ramona 92065
  • Costs less per square foot than 98% of homes in San Diego County
  • Bigger than 96% of homes in Ramona 92065
  • Has a bigger lot than 95% of homes in San Diego County

What homes are worth in Ramona 92065

Each bar is how many homes fall in that price range. The marker is this home.

This home
$448K$1.5M

This home is worth more than 92% of homes in Ramona 92065.

How it measures up in Ramona 92065

The dot is this home. The mark in the middle is the typical home in Ramona 92065.

Estimated value$1,142,515
CheaperTypical $753,453Pricier

Pricier than 92% of homes nearby

Price per ft²$342
CheaperTypical $393Pricier

Pricier than 28% of homes nearby

Living area3,344 ft²
SmallerTypical 1,515 ft²Bigger

Bigger than 96% of homes nearby

Lot size8.39 ac
SmallerTypical 0.43 acBigger

Bigger than 92% of homes nearby

Year built1988
OlderTypical 1990Newer

Newer than 41% of homes nearby

How 989 Gem Ln ranks against every home in each area.
MeasureThis homeRamona 92065San Diego County
Estimated valuepricier than$1,142,51592% of homes69% of homes
Price per ft²pricier than$34228% of homes2% of homes
Living areabigger than3,344 ft²96% of homes94% of homes
Lot sizebigger than8.39 ac92% of homes95% of homes
Year builtnewer than198841% of homes59% of homes

About 989 Gem Ln

How much is 989 Gem Ln, Ramona, CA worth?

The TopHap Estimate for 989 Gem Ln, Ramona, CA is $1,142,515 as of Oct 21, 2026. The likely range is $1,074,707 to $1,210,322. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 989 Gem Ln, Ramona, CA last sell?

989 Gem Ln, Ramona, CA last sold on Jul 19, 1985 for $68,000, according to the county's recorded deed.

How big is 989 Gem Ln, Ramona, CA?

989 Gem Ln, Ramona, CA has 3 bedrooms, 3.5 bathrooms and 3,344 square feet of living space.

When was 989 Gem Ln, Ramona, CA built?

989 Gem Ln, Ramona, CA was built in 1988, making it 38 years old.

What schools serve 989 Gem Ln, Ramona, CA?

989 Gem Ln, Ramona, CA is assigned to Ramona High School (high), rated B; Olive Peirce Middle School (middle), rated C+; Barnett Elementary School (elementary), rated C+. All sit in Ramona City Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 989 Gem Ln, Ramona, CA compare to other homes in Ramona 92065?

Among the 18,348 homes in Ramona 92065, it is worth more than 92% of them ($1,142,515 against a typical $753,453), its price per square foot is higher than 28% of them ($342 against a typical $393), it is bigger than 96% of them (3,344 ft² against a typical 1,515 ft²), its lot is bigger than 92% of them (8.39 ac against a typical 0.43 ac) and it is newer than 41% of them (1988 against a typical 1990). Measured against all of San Diego County, it is worth more than 69% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 989 Gem Ln, Ramona, CA?

The 2025 property tax bill for 989 Gem Ln, Ramona, CA was $6,220. The county assessed it at $570,227.

More homes on Gem Ln

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