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Single Family ResidenceResidential
$850,598$429 / 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 77How 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 $345,000 on Jul 31, 2000

648 RANCHO TRL

RAMONA, CA 92065
3
Beds
2
Baths
1,984 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.
4.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$851K
$656K low$1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$345,000 · Jul 31, 2000
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.$265,598
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$212,478
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.66%
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.$241,500
FLAGSTAR BANK FSB · recorded Jul 31, 2000
2nd 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.$343,500
RANCHO FINANCIAL INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,713 (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.$530,245 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$241,020
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$289,225
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$519,849

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.52
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
94
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
32
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

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.

H
Ramona High SchoolB
High · Grades 9–12 · 3.3 mi
M
Olive Peirce Middle SchoolC-
Middle · Grades 7–8 · 3.4 mi
E
Hanson Elementary SchoolD+
Elementary · Grades KG–6 · 4.2 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.Yes

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

648 Rancho Trl 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 69% of homes in Ramona 92065
  • Costs less per square foot than 84% of homes in San Diego County
  • Bigger than 71% of homes in Ramona 92065
  • Has a bigger lot than 90% of homes in San Diego County
  • Newer than 76% 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
$440K$1.5M

This home is worth more than 69% 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$850,598
CheaperTypical $761,277Pricier

Pricier than 69% of homes nearby

Price per ft²$429
CheaperTypical $401Pricier

Pricier than 64% of homes nearby

Living area1,984 ft²
SmallerTypical 1,520 ft²Bigger

Bigger than 71% of homes nearby

Lot size4.13 ac
SmallerTypical 0.43 acBigger

Bigger than 85% of homes nearby

Year built1990
OlderTypical 1990Newer

Newer than 76% of homes nearby

How 648 Rancho Trl ranks against every home in each area.
MeasureThis homeRamona 92065San Diego County
Estimated valuepricier than$850,59869% of homes46% of homes
Price per ft²pricier than$42964% of homes16% of homes
Living areabigger than1,984 ft²71% of homes71% of homes
Lot sizebigger than4.13 ac85% of homes90% of homes
Year builtnewer than199076% of homes64% of homes

About 648 Rancho Trl

How much is 648 Rancho Trl, Ramona, CA worth?

The TopHap Estimate for 648 Rancho Trl, Ramona, CA is $850,598 as of Jul 14, 2026. The likely range is $656,331 to $1,044,865. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 648 Rancho Trl, Ramona, CA last sell?

648 Rancho Trl, Ramona, CA last sold on Jul 31, 2000 for $345,000, according to the county's recorded deed.

How big is 648 Rancho Trl, Ramona, CA?

648 Rancho Trl, Ramona, CA has 3 bedrooms, 2 bathrooms and 1,984 square feet of living space.

When was 648 Rancho Trl, Ramona, CA built?

648 Rancho Trl, Ramona, CA was built in 1990, making it 36 years old.

What schools serve 648 Rancho Trl, Ramona, CA?

648 Rancho Trl, Ramona, CA is assigned to Ramona High School (high), rated B; Olive Peirce Middle School (middle), rated C-; 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 648 Rancho Trl, Ramona, CA compare to other homes in Ramona 92065?

Among the 18,351 homes in Ramona 92065, it is worth more than 69% of them ($850,598 against a typical $761,277), its price per square foot is higher than 64% of them ($429 against a typical $401), it is bigger than 71% of them (1,984 ft² against a typical 1,520 ft²), its lot is bigger than 85% of them (4.13 ac against a typical 0.43 ac) and it is newer than 76% of them (1990 against a typical 1990). Measured against all of San Diego County, it is worth more than 46% 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 648 Rancho Trl, Ramona, CA?

The 2025 property tax bill for 648 Rancho Trl, Ramona, CA was $5,713. The county assessed it at $530,245.

More homes on Rancho Trl

Closest homes

More homes in Ramona 92065

Assigned schools

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