285-87 Penn St, Ramona, CA, 92065
About This Home
2 ON 1 : Previous Contractor's primary residence and AMAZING 2BR/2BA separate ADU on prime 8.34 acres with level to rolling terrain and well suited for Horse/Animal facility, Vineyard/Olive Grove or your choice! Private road leads to Main residence featuring covered front porch with attractive double door entry to foyer and living rm with mountain views and acres of pasture land and privacy. The spacious living area is enhanced by soaring wood beamed ceilings, formal dining room that opens to kitchen with stainless steel appliances, pantry, quality cabinetry, granite counters, center island and breakfast nook. You will appreciate the open family room featuring a inviting floor to ceiling firepace with stone facade. The master suite has a fabulous combo bathroom with separate walk-in shower from soaking tub, dual his/he vanitie sinks and huge walk in closet with built-ins organizers. 2nd BR has a pivate bath while additional 3rd and 4th bedrooms share a desirable Jack n Jill combo tub/shower bath. The oversized 3 car garage has 3 separate roll-up doors and is finished. This property is perfect for two families with ample space between 2 homes OR rent one to help pay your mortgage. So many options and worth the viewing!!!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2002
Materials
- Foundation: Concrete Perimeter,Permanent
- Roof: Concrete,Tile
- Construction materials: Drywall,Frame,Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Washer Hookup,Electric Dryer Hookup,Gas Dryer Hookup
Bathroom
- Features: Jack and Jill Bath
Bathroom
- Features: Bathroom Exhaust Fan,Bathtub,Closet,Dual Sinks,Enclosed Toilet,Jetted Tub,Separate Shower,Tile Counters,Walk-In Shower
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
- Main level bathrooms: 3
- Main level bedrooms: 4
Family Room
- Features: Separate Family Room
Features
- Beamed Ceilings,Breakfast Area,Ceiling Fan(s),Separate/Formal Dining Room,Granite Counters,High Ceilings,Recessed Lighting,See Remarks,Jack and Jill Bath,Main Level Primary,Primary Suite,Walk-In Closet(s)
- Door features: Double Door Entry,Sliding Doors
- Flooring: Concrete,Tile
- Fireplace features: Family Room,Masonry,Raised Hearth,Wood Burning
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Forced Air,Fireplace(s),Propane
- Cooling features: Central Air,Electric
Interior Area
- Total interior livable area: 3,923 sqft
Kitchen
- Features: Granite Counters,Kitchen Island,Kitchen/Family Room Combo,Walk-In Pantry
Master Bedroom
- Features: Main Level Primary
Other
- Features: Walk-In Closet(s)
Property
Details
- Parcel number: 2801245200
- Zoning: A70 with "M" animal desig
- Special condition: Standard
- Horse amenities: Riding Trail
Features
- Levels: One
- Stories: 1
- Entry location: Livng Room
- Pool features: None
- Patio & porch: Covered,Front Porch,Patio,Tile
- Exterior features: Rain Gutters
- Fencing: Fair Condition,Partial
- Has view: Yes
- View description: Mountain(s),Panoramic,Pasture
- Horses can be raised: Yes
Lot
- Lot size: 8.34 Acres
- Features: Agricultural,Back Yard,Sloped Down,Horse Property,Level,Pasture
Parking
- Total spaces: 7
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Uncovered spaces: 4
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
- Inland Flooding
- Earthquake
- Heat Wave
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 | $7,563 | $90,756 |
| Home Insurance * | $440 | $5,280 |
| Property Taxes | $1,421 | $17,052 |
| Electricity | $841 | $10,094 |
| Total | $10,265 | $123,180 |
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 |
|---|---|---|
| 2026-07-09 | Listed for sale | $1,495,800 |
View on Zillow