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21041 Black Canyon Rd, Ramona, CA, 92065

4beds
5baths
3,597sqft
$1,279,000
$356price/sqft
$8,775/moest. monthly cost
$351,000/yrincome needed

About This Home

Black Canyon Ranchette is a beautifully renovated 3,597± sq. ft. estate on 8.53 scenic acres, blending modern comfort with the freedom of country living. The home features 3 bedrooms, 4.5 bathrooms, a lower-level apartment, separate studio suite, and a functional barn, making it ideal for multigenerational living, hobby farming, equestrian use, or a private retreat. Surrounded by rolling hills and sweeping views just minutes from downtown Ramona, the property has been extensively updated with remodeled bathrooms, new flooring, fresh interior and exterior paint, upgraded lighting and electrical, owned solar with Tesla battery backup, and a Generac automatic standby generator. The flexible floor plan offers spacious living areas, a chef's kitchen, a luxurious primary suite with adjoining office or nursery, and private guest quarters with potential rental opportunities. The usable acreage includes a productive orchard, raised garden beds, turnout areas, private well, 10,000-gallon water storage tank, renovated chicken coop with 16 nesting boxes, and a multi-functional barn for agricultural use, workshops, or storage. For added convenience enjoy a dedicated electric vehicle (EV) charging outlet. Beautifully improved and exceptionally versatile, Black Canyon Ranchette offers a rare opportunity to enjoy peaceful country living with modern conveniences.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
Ramona Elementary SchoolGrades K-64.2 mi
4/10
7/10
Ramona High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 1988

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Inside,Laundry Room

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 2

Cooling

  • Cooling features: Central Air

Features

  • Bedroom on Main Level,Main Level Primary,Primary Suite,Utility Room,Walk-In Pantry,Walk-In Closet(s),Workshop
  • Fireplace features: Living Room,Propane
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 3,597 sqft

Master Bedroom

  • Features: Primary Suite

Master Bedroom

  • Features: Main Level Primary

Property

Details

  • Parcel number: 2441202500
  • Zoning: A70, “L” Animal Designato
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 1
  • Entry location: multi
  • Pool features: None
  • Patio & porch: Rear Porch,Covered,Deck,Porch,See Remarks
  • Has view: Yes
  • View description: Panoramic
  • Horses can be raised: Yes

Lot

  • Lot size: 8.53 Acres
  • Features: 6-10 Units/Acre,Agricultural,Garden,Gentle Sloping,Horse Property,Rolling Slope,Ranch,Rocks,Secluded,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
  • 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 $6,467$77,604
Home Insurance *$376$4,512
Property Taxes $1,161$13,932
Electricity $771$9,255
Total$8,775$105,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$300,857/yr
40% on housing$263,250/yr
45% on housing$234,000/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

$356This 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
2026-07-22Listed for sale$1,279,000
2024-01-25Sold$915,000
2023-12-20Pending sale$989,000
2023-11-15Listed for sale$989,000
2000-10-20Sold$345,000

For Sale by Agent

AgentMeriah Druliner
BrokerageChameleon, DBA Red Hawk Realty

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