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Single Family ResidenceResidential
$4,351,900$1,145 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $2,500,000 on Oct 2, 2018

18195 LAS MONTANAS

RANCHO SANTA FE, CA 92091
4
Beds
3.5
Baths
3,801 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.
6.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$4.4M
$4M low$4.7M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$2,500,000 · Oct 2, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$31,456 (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.$2,844,568 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,048,090
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$796,478
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,788,793

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.67
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
92
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
40
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
15
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
89
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountySAN DIEGO
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Yes

Transaction History(9)

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.

E
R. Roger Rowe Elementary SchoolA
Elementary · Grades KG–5 · 2.0 mi
M
R. Roger Rowe Middle SchoolA+
Middle · Grades 6–8 · 2.0 mi
H
Torrey Pines High SchoolA+
High · Grades 9–12 · 6.3 mi

District: Rancho Santa Fe Elementary School District

Neighborhood · ZIP 92091These 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.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.236

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.42%
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.1.0%
PopulationHow many people live in this area.765
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.472 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$167,259
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$232,218
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.13 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

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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

18195 Las Montanas 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 98% of homes in San Diego County
  • Costs more per square foot than 96% of homes in San Diego County
  • Bigger than 96% of homes in San Diego County
  • Has a bigger lot than 97% of homes in The Covenant of Rancho Santa Fe
  • Newer than 66% of homes in Rancho Santa Fe 92091

What homes are worth in Rancho Santa Fe 92091

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

This home
$938K$10M

This home is worth more than 66% of homes in Rancho Santa Fe 92091.

How it measures up in Rancho Santa Fe 92091

The dot is this home. The mark in the middle is the typical home in Rancho Santa Fe 92091.

Estimated value$4,351,900
CheaperTypical $3,082,995Pricier

Pricier than 66% of homes nearby

Price per ft²$1145
CheaperTypical $930Pricier

Pricier than 82% of homes nearby

Living area3,801 ft²
SmallerTypical 3,069 ft²Bigger

Bigger than 63% of homes nearby

Lot size6.17 ac
SmallerTypical 1 acBigger

Bigger than 92% of homes nearby

Year built1992
OlderTypical 1988Newer

Newer than 66% of homes nearby

How 18195 Las Montanas ranks against every home in each area.
MeasureThis homeThe Covenant of Rancho Santa FeRancho Santa Fe 92091San Diego County
Estimated valuepricier than$4,351,90035% of homes66% of homes98% of homes
Price per ft²pricier than$114555% of homes82% of homes96% of homes
Living areabigger than3,801 ft²39% of homes63% of homes96% of homes
Lot sizebigger than6.17 ac97% of homes92% of homes93% of homes
Year builtnewer than199264% of homes66% of homes66% of homes

About 18195 Las Montanas

How much is 18195 Las Montanas, Rancho Santa Fe, CA worth?

The TopHap Estimate for 18195 Las Montanas, Rancho Santa Fe, CA is $4,351,900 as of Aug 30, 2026. The likely range is $4,003,050 to $4,700,750. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 18195 Las Montanas, Rancho Santa Fe, CA last sell?

18195 Las Montanas, Rancho Santa Fe, CA last sold on Oct 2, 2018 for $2,500,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 18195 Las Montanas, Rancho Santa Fe, CA?

18195 Las Montanas, Rancho Santa Fe, CA has 4 bedrooms, 3.5 bathrooms and 3,801 square feet of living space.

When was 18195 Las Montanas, Rancho Santa Fe, CA built?

18195 Las Montanas, Rancho Santa Fe, CA was built in 1992, making it 34 years old. It is a conventional home. The building has 1 story.

What schools serve 18195 Las Montanas, Rancho Santa Fe, CA?

18195 Las Montanas, Rancho Santa Fe, CA is assigned to R. Roger Rowe Elementary School (elementary), rated A; R. Roger Rowe Middle School (middle), rated A+; Torrey Pines High School (high), rated A+. All sit in Rancho Santa Fe Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 18195 Las Montanas, Rancho Santa Fe, CA compare to other homes in Rancho Santa Fe 92091?

Among the 1,269 homes in Rancho Santa Fe 92091, it is worth more than 66% of them ($4,351,900 against a typical $3,082,995), its price per square foot is higher than 82% of them ($1145 against a typical $930), it is bigger than 63% of them (3,801 ft² against a typical 3,069 ft²), its lot is bigger than 92% of them (6.17 ac against a typical 1 ac) and it is newer than 66% of them (1992 against a typical 1988). Measured against all of San Diego County, it is worth more than 98% 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 18195 Las Montanas, Rancho Santa Fe, CA?

The 2025 property tax bill for 18195 Las Montanas, Rancho Santa Fe, CA was $31,456. The county assessed it at $2,844,568.

More homes on Las Montanas

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