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945 E St, Ramona, CA, 92065

3beds
1baths
1,040sqft
$689,000
$663price/sqft
$4,997/moest. monthly cost
$199,880/yrincome needed

About This Home

Recently remodeled and move-in ready! This charming turnkey 3-bedroom Ramona house features fresh paint, new flooring, and a new mini-split A/C system for year-round comfort. The single-level layout is easy and inviting, with an attached 2-car garage and a large fully fenced yard with plenty of room to relax, entertain, garden, or play. Conveniently located near schools, shopping, dining, and the heart of town, this is a great opportunity to enjoy a freshly updated house with space, comfort, and everyday convenience.

Getting Around

83
WalkingVery Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

3/10
Ramona Elementary SchoolGrades K-60.2 mi
4/10
7/10
Ramona High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1986

Type & Style

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

Interior

Appliances

  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Zoned

Features

  • Flooring: Laminate
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 1,040 sqft

Property

Details

  • Parcel number: 2812821900
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Trust

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 7,405 sqft
  • Features: Back Yard,Front Yard,Level,Yard

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Earthquake
Heat Wave

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 $3,483$41,796
Home Insurance *$202$2,424
Property Taxes $914$10,968
Electricity $398$4,786
Total$4,997$59,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,325/yr
40% on housing$149,910/yr
45% on housing$133,253/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

$663This listing

vs Other Active Listings

Avg $/sqft

ZIP 92065$412
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
2026-08-05Listed for sale$689,000
2018-06-02Listing removed$2,050
2018-05-17Listed for rent$2,050
2015-01-24Listing removed$1,545
2014-12-04Listed for rent$1,545

For Sale by Agent

AgentLezley Jones
BrokerageFrom Sign To Sold

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