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23945 Nectar Way, Ramona, CA, 92065

3beds
3baths
1,983sqft
$800,000
$403price/sqft
$5,494/moest. monthly cost
$219,760/yrincome needed

About This Home

Discover the space, flexibility, and relaxed country lifestyle of San Diego Country Estates in this beautifully maintained 3-bedroom, 2-bath home situated on an expansive half-acre lot. Offering approximately 1,983 square feet, the inviting split-level floor plan provides plenty of room to spread out with two separate living areas, a bonus room, and a charming breakfast nook. The flexible layout offers options for a home office, media room, playroom, or additional living space. The kitchen opens to a comfortable family room anchored by a classic brick fireplace, creating a warm gathering space for everyday living and entertaining. Upstairs, all three bedrooms offer generous storage, while the spacious primary suite features a walk-in closet, dual vanities, and Roman-style soaking tub. Step outside and discover what truly sets this property apart. The approximately .51-acre lot offers exceptional versatility, with multiple storage sheds and drive-through access to the upper portion of the property providing valuable space for an RV, boat, recreational vehicles, gardening, outdoor entertaining, or simply enjoying the extra room that Ramona living provides. Additional highlights include a newer HVAC system and furnace, Culligan water softener and filtration system, epoxy-coated garage floor, attached two-car garage, and leased Tesla solar. Located in sought-after San Diego Country Estates, this home offers the best of Ramona living with open space, mountain scenery, recreation, golf, equestrian amenities, hiking and riding trails, plus local wineries, dining, and shopping nearby. Space to live. Room to play. A half-acre to make your own.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

8/10
4/10
7/10
Ramona High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 1988

Type & Style

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

Interior

Appliances

  • Laundry features: Washer Hookup,Electric Dryer Hookup,Gas Dryer Hookup

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Cooling

  • Cooling features: Central Air

Features

  • All Bedrooms Up,Walk-In Pantry,Walk-In Closet(s)
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 1,983 sqft

Other

  • Features: Walk-In Closet(s)

Pantry

  • Features: Walk-In Pantry

Property

Details

  • Parcel number: 2886720400
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Standard
  • Horse amenities: Riding Trail

Features

  • Levels: Multi/Split
  • Entry location: Front
  • Pool features: Community,In Ground,Association
  • Has view: Yes
  • View description: Mountain(s)
  • Horses can be raised: Yes

Lot

  • Lot size: 0.51 sqft
  • Features: Front Yard,Gentle Sloping,Horse Property,Landscaped,Paved,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
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Earthquake
Heat Wave
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 $4,045$48,540
Home Insurance *$235$2,820
Property Taxes $789$9,468
Electricity $425$5,102
Total$5,494$65,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$188,365/yr
40% on housing$164,820/yr
45% on housing$146,506/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

$403This 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
2026-08-14Listed for sale$790,000
2023-03-14Sold$741,000
2023-02-21Pending sale$725,000
2023-02-18Listed for sale$725,000
2021-12-21Sold$665,000
2021-11-24Pending sale$658,000
2021-11-10Price change$658,000
2021-10-28Listed for sale$668,000
2015-03-25Sold$374,000
2015-01-11Price change$385,000
2014-12-03Listed for sale$399,000
2007-11-28Sold$405,000
2002-01-28Sold$298,000
2001-01-04Sold$265,000
1998-02-24Sold$13,000

For Sale by Agent

AgentChantalle O Donnell
BrokerageFirst Team Real Estate

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