20899 Black Canyon Rd, Ramona, CA, 92065
About This Home
With two separate homes in one, a 2,400-square-foot barn with loft, a 12,000-gallon water storage tank with its own fire hydrant, a 16-kilowatt Generac whole-house generator, RV hookups, mature fruit trees, chicken coop, seasonal creek, and neighboring vineyards, much of the work and expense has already been done. Whether you're looking for multigenerational living, horses, farming, a vineyard, a home-based business, or simply a private country retreat, this property offers possibilities that are increasingly difficult to find on a single estate. Similar to a house with an ADU, permitted as one house.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Additions/Alterations,Building Permit,Updated/Remodeled
- Year built: 1986
Materials
- Roof: Fire Proof
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Propane Cooktop,Propane Oven,Propane Range,Propane Water Heater,Refrigerator,Tankless Water Heater
- Laundry features: Inside,Laundry Room,Propane Dryer Hookup
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 1
Features
- Breakfast Bar,Balcony,Ceiling Fan(s),Open Floorplan,Pantry,Storage,Instant Hot Water,Main Level Primary,Walk-In Pantry,Workshop
- Window features: Blinds,Double Pane Windows,Screens
- Fireplace features: None
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,622 sqft
Kitchen
- Features: Kitchen Island,Pots & Pan Drawers,Remodeled,Self-closing Cabinet Doors,Self-closing Drawers,Updated Kitchen,Utility Sink,Walk-In Pantry
Master Bedroom
- Features: Main Level Primary
Pantry
- Features: Walk-In Pantry
Property
Accessibility
- Accessibility features: Accessible Doors
Details
- Parcel number: 2441203800
- Zoning: R-1:SINGLE FAM-RES
- Special condition: Trust
Features
- Levels: Two
- Stories: 2
- Entry location: 1
- Pool features: None
- Patio & porch: Rear Porch,Covered,Deck,Front Porch,Porch,Stone
- Fencing: Partial
- Has view: Yes
- View description: Hills,Mountain(s),Trees/Woods
Lot
- Lot size: 8.23 Acres
- Features: Agricultural,Back Yard,Front Yard,Sprinkler System,Yard
Parking
- Total spaces: 12
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Uncovered spaces: 10
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Wildfire
- Earthquake
- Heat Wave
- Inland Flooding
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters in San Diego County and California
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,562 | $66,744 |
| Home Insurance * | $323 | $3,876 |
| Property Taxes | $1,048 | $12,576 |
| Electricity | $562 | $6,747 |
| Total | $7,495 | $89,940 |
Income You'd Need if You Spent...
California FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-24 | Price change | $1,100,000 |
| 2026-07-07 | Price change | $1,198,000 |
| 2026-06-27 | Price change | $1,200,000 |
| 2026-06-26 | Listed for sale | $1,200,007 |
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