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Single Family ResidenceResidential
$1,132,446$431 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,095,000 on May 8, 2025

640 ROWLEY WAY

RAMONA, CA 92065
4
Beds
2.5
Baths
2,630 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.6 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$950K low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,095,000 · May 8, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$454,071
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$363,257
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.60%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$678,375
FAIRWAY INDEPENDENT MORTGAGE CORP · recorded May 8, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,721 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,116,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$504,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$612,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$543,625

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
87
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
30
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
87
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN DIEGO
Lot (acres)The size of the land the home sits on, from county records.0.60
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Olive Peirce Middle SchoolC-
Middle · Grades 7–8 · 0.6 mi
H
Ramona High SchoolB
High · Grades 9–12 · 0.8 mi
E
Hanson Elementary SchoolD+
Elementary · Grades KG–6 · 0.8 mi

District: Ramona City Unified School District

Neighborhood · ZIP 92065These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.217

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.37,514
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.197 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$115,044
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$143,455
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.21 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 Rowley Way measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 90% of homes in Ramona 92065
  • Costs less per square foot than 84% of homes in San Diego County
  • Bigger than 88% of homes in Ramona 92065
  • Has a bigger lot than 65% of homes in San Diego County
  • Newer than 88% of homes in Ramona 92065

What homes are worth in Ramona 92065

Each bar is how many homes fall in that price range. The marker is this home.

This home
$435K$1.5M

This home is worth more than 90% of homes in Ramona 92065.

How it measures up in Ramona 92065

The dot is this home. The mark in the middle is the typical home in Ramona 92065.

Estimated value$1,132,446
CheaperTypical $764,332Pricier

Pricier than 90% of homes nearby

Price per ft²$431
CheaperTypical $400Pricier

Pricier than 65% of homes nearby

Living area2,630 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 88% of homes nearby

Lot size0.6 ac
SmallerTypical 0.43 acBigger

Bigger than 64% of homes nearby

Year built2000
OlderTypical 1990Newer

Newer than 88% of homes nearby

How 640 Rowley Way ranks against every home in each area.
MeasureThis homeRamona 92065San Diego County
Estimated valuepricier than$1,132,44690% of homes69% of homes
Price per ft²pricier than$43165% of homes16% of homes
Living areabigger than2,630 ft²88% of homes86% of homes
Lot sizebigger than0.6 ac64% of homes65% of homes
Year builtnewer than200088% of homes76% of homes

About 640 Rowley Way

How much is 640 Rowley Way, Ramona, CA worth?

The TopHap Estimate for 640 Rowley Way, Ramona, CA is $1,132,446 as of Jul 14, 2026. The likely range is $950,351 to $1,314,541. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Rowley Way, Ramona, CA last sell?

640 Rowley Way, Ramona, CA last sold on May 8, 2025 for $1,095,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 640 Rowley Way, Ramona, CA?

640 Rowley Way, Ramona, CA has 4 bedrooms, 2.5 bathrooms, 2,630 square feet of living space and a 0.60-acre lot.

When was 640 Rowley Way, Ramona, CA built?

640 Rowley Way, Ramona, CA was built in 2000, making it 26 years old.

What schools serve 640 Rowley Way, Ramona, CA?

640 Rowley Way, Ramona, CA is assigned to Olive Peirce Middle School (middle), rated C-; Ramona High School (high), rated B; Hanson Elementary School (elementary), rated D+. All sit in Ramona City Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Rowley Way, Ramona, CA compare to other homes in Ramona 92065?

Among the 18,351 homes in Ramona 92065, it is worth more than 90% of them ($1,132,446 against a typical $764,332), its price per square foot is higher than 65% of them ($431 against a typical $400), it is bigger than 88% of them (2,630 ft² against a typical 1,540 ft²), its lot is bigger than 64% of them (0.6 ac against a typical 0.43 ac) and it is newer than 88% of them (2000 against a typical 1990). Measured against all of San Diego County, it is worth more than 69% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 Rowley Way, Ramona, CA?

The 2025 property tax bill for 640 Rowley Way, Ramona, CA was $6,721. The county assessed it at $1,116,900.

More homes on Rowley Way

Closest homes

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Assigned schools

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