




20276 Rancho Villa Rd, Ramona, CA, 92065
About This Home
Experience exceptional craftsmanship, timeless elegance, and resort-style living in this extraordinary custom estate set on more than four flat, usable acres with direct easement access to federal open space and horse trails. A dramatic circular driveway with an impressive 8-foot fountain welcomes you to this remarkable residence, distinguished by its multicolored clay tile roof and beautifully designed architecture. Tuscan-inspired travertine flooring flows seamlessly from the interior to the front courtyard and expansive rear patios, creating effortless indoor-outdoor living. Step inside to soaring vaulted ceilings, graceful arched passageways, hand-hewn mahogany engineered wood flooring, an inlaid Tuscan mosaic stone entry, custom built-in entertainment cabinetry, and a stunning floor-to-ceiling stone fireplace featuring a raised granite hearth and substantial stone mantel. Designed by a kitchen designer as a true showroom, the spectacular kitchen showcases custom solid walnut cabinetry inside and out, Movento lift-up upper cabinets, a commercial-grade 42-inch range, stone chimney-style hood with mantel, coffee bar, wine storage, wine refrigerator, oversized walk-in pantry with shelving to the 10-foot ceiling, and exceptional workspace for everyday living and entertaining. The thoughtfully designed main level offers three bedrooms, including two with cork flooring, plus a dedicated office or craft room featuring custom cherry wood cabinetry, granite countertops, and a built-in desk. A whimsical bedroom includes a custom four-poster treehouse bed, teak ceiling panels, and a built-in desk with granite countertops. The spacious laundry room offers abundant storage and a convenient laundry chute from the primary suite. Inspired by the elegance of the Ritz Paris, the upstairs primary suite is a luxurious retreat featuring a coffered ceiling, paneled walls, a private fireplace, custom cherry wood closet cabinetry, and a spa-inspired Carrera marble bathroom complete with a steam shower and Jacuzzi soaking tub. Outside, enjoy your own private resort featuring a solar-heated pool, spa, separate children's pool, two sand-filled beach areas, beautifully landscaped grounds, and 52 owned elevated solar panels that also provide shade for a future riding arena. Equestrian enthusiasts will appreciate the barn with two covered tube-steel horse stalls, tack room, round pen, direct horse trail access, and over four acres of level, usable land. Additional amenities include a detached garage with a studio apartment complete with a kitchen and full bath, a 24' x 30' metal workshop on slab, raised garden beds, tube-steel chicken coop, tube-steel aviary, private well, and a 3,000-gallon water storage tank. This one-of-a-kind estate offers an exceptional combination of luxury, craftsmanship, privacy, and equestrian living in a setting designed for unforgettable entertaining and everyday comfort.
Getting Around
Schools
Construction
Condition
- Property condition: Additions/Alterations,Building Permit,Updated/Remodeled
- Year built: 1993
Materials
- Roof: Spanish Tile
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Laundry Room
Bedroom
- Features: Bedroom on Main Level
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 3
Cooling
- Cooling features: Central Air
Features
- Bedroom on Main Level,Primary Suite,Walk-In Pantry,Walk-In Closet(s),Workshop
- Fireplace features: Primary Bedroom
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Interior Area
- Total interior livable area: 3,020 sqft
Master Bedroom
- Features: Primary Suite
Other
- Features: Walk-In Closet(s)
Pantry
- Features: Walk-In Pantry
Property
Details
- Parcel number: 2790943100
- Zoning: AGRICULTURAL
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Entry location: 1
- Private pool: Yes
- Pool features: In Ground
- Has spa: Yes
- Spa features: In Ground
- Has view: Yes
- View description: Hills,Neighborhood
- Horses can be raised: Yes
Lot
- Lot size: 4.15 Acres
- Features: Agricultural,Back Yard,Front Yard,Garden,Horse Property,Landscaped,Yard
Parking
- Total spaces: 8
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Uncovered spaces: 6
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 | $8,899 | $106,788 |
| Home Insurance * | $517 | $6,204 |
| Property Taxes | $1,602 | $19,224 |
| Electricity | $647 | $7,771 |
| Total | $11,665 | $139,980 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2002-12-18 | Sold | $625,000 |
| 1997-09-25 | Sold | $90,000 |
| 1996-06-13 | Sold | $50,000 |
| 1995-11-20 | Sold | $48,000 |
| 1995-01-19 | Sold | $85,000 |
| 1994-03-29 | Sold | $40,000 |
