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20391 Rancho Villa Rd, Ramona, CA, 92065

5beds
6baths
5,439sqft
$2,850,000
$524price/sqft
$18,972/moest. monthly cost
$758,880/yrincome needed

About This Home

Masterfully crafted with uncompromising attention to detail, this extraordinary contemporary estate is a rare offering where exceptional architecture, luxury living, and a premier equestrian facility come together in perfect harmony. Set on approximately 12 usable acres on Ramona's highly desirable west side, just 20 minutes from I-15, the property captures breathtaking panoramic western views while offering an unparalleled level of privacy and tranquility. Designed and built with an unwavering commitment to quality, the custom residence showcases superior craftsmanship, premium materials, and timeless finishes throughout. The main residence offers three bedrooms, a dedicated home theater, and thoughtfully designed living spaces created for both grand entertaining and everyday comfort. Expansive windows frame spectacular sunsets and the surrounding countryside, filling the interiors with natural light. At the heart of the home is a stunning gourmet kitchen appointed with top-of-the-line finishes and appliances, creating an exceptional space for both intimate gatherings and large-scale entertaining. Masterfully crafted with uncompromising attention to detail, this extraordinary contemporary estate is a rare offering where exceptional architecture, luxury living, and a premier equestrian facility come together in perfect harmony. Set on approximately 12 usable acres on Ramona's highly desirable west side, just 20 minutes from I-15, the property captures breathtaking panoramic western views while offering an unparalleled level of privacy and tranquility. Designed and built with an unwavering commitment to quality, the custom residence showcases superior craftsmanship, premium materials, and timeless finishes throughout. The main residence offers three bedrooms, a dedicated home theater, and thoughtfully designed living spaces created for both grand entertaining and everyday comfort. Expansive windows frame spectacular sunsets and the surrounding countryside, filling the interiors with natural light. At the heart of the home is a stunning gourmet kitchen appointed with top-of-the-line finishes and appliances, creating an exceptional space for both intimate gatherings and large-scale entertaining. Outdoor living is every bit as impressive as the interior. An infinity-edge pool appears to spill into the surrounding landscape, creating a true resort-style setting. Nearby, the fully equipped outdoor kitchen—featuring a built-in BBQ, pizza oven, generous prep space, and ample seating areas—offers the ultimate venue for entertaining while taking in spectacular sunsets and sweeping views. Well water dedicated to irrigation further enhances the property's beauty, sustainability, and long-term efficiency. Adding exceptional versatility are two detached structures: a private guest house ideal for extended family, visitors, or multigenerational living, and a separate detached office, gym, or art studio that provides the perfect space for remote work, fitness, or creative pursuits. For the discerning equestrian, this is a truly functional horse facility designed to support both training and daily operations. The property features an approximately 100' x 200' riding arena, expansive pastures, and a spacious four-stall barn with in-and-out stalls, complemented by a dedicated tack room and feed room. Whether preparing for competition or embracing the equestrian lifestyle, the thoughtfully designed facilities offer everything needed for both horse and rider. An exceptional blend of craftsmanship, luxury amenities, and equestrian improvements, this remarkable estate represents one of Ramona's finest offerings—a private sanctuary where refined country living meets uncompromising quality.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
Hanson Elementary SchoolGrades K-64.5 mi
4/10
7/10
Ramona High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 2011

Materials

  • Roof: Metal
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Propane Range
  • Laundry features: Other/Remarks

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Heating & Cooling

  • Heating features: Other/Remarks
  • Cooling features: Other/Remarks

Interior Area

  • Total structure area: 5,439
  • Total interior livable area: 5,439 sqft

Property

Details

  • Parcel number: 2790941100
  • Zoning: R-1:SINGLE
  • Zoning description: R-1:SINGLE

Features

  • Levels: 2 Story
  • Pool features: Below Ground
  • Fencing: Partial

Lot

  • Lot size: 12.03 Acres

Parking

  • Total spaces: 9
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    WildfireVery High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Earthquake
Heat Wave
Inland Flooding
Landslide

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $14,411$172,932
Home Insurance *$838$10,056
Property Taxes $2,557$30,684
Electricity $1,166$13,995
Total$18,972$227,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$650,468/yr
40% on housing$569,160/yr
45% on housing$505,920/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

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.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$524This listing

vs Other Active Listings

Avg $/sqft

ZIP 92065$410
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92065$407
San Diego County$576

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

DateEventPrice
2026-08-14Price change$2,695,000
2026-07-21Listed for sale$2,850,000
2020-10-09Sold$1,685,000
2020-08-18Pending sale$1,750,000
2020-08-03Listed for sale$1,750,000
2017-05-24Sold$1,455,000
2017-04-01Listed for sale$1,450,000

For Sale by Agent

AgentJoshua A Krause
BrokerageJoshua Krause

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