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Single Family ResidenceResidential
$860,321$428 / 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 71How 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 $285,000 on Nov 10, 1998

866 RANCHO TRL

RAMONA, CA 92065
3
Beds
2
Baths
2,008 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.
4.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$860K
$612K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$285,000 · Nov 10, 1998
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.$629,485
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$503,588
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.27%
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.$110,000
WASHINGTON MUTUAL FSB · recorded Nov 10, 1998
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.$120,836
JPMORGAN CHASE BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$507 (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.$191,737 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,075
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$156,662
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$187,979

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.
95
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
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.Composition 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
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

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 · 3.4 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

866 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 71% of homes in Ramona 92065
  • Costs less per square foot than 84% of homes in San Diego County
  • Bigger than 73% of homes in San Diego County
  • Has a bigger lot than 90% of homes in San Diego County
  • Newer than 84% 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
$432K$1.5M

This home is worth more than 71% 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$860,321
CheaperTypical $762,996Pricier

Pricier than 71% of homes nearby

Price per ft²$428
CheaperTypical $400Pricier

Pricier than 64% of homes nearby

Living area2,008 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 72% of homes nearby

Lot size4.27 ac
SmallerTypical 0.43 acBigger

Bigger than 86% of homes nearby

Year built1998
OlderTypical 1990Newer

Newer than 84% of homes nearby

How 866 Rancho Trl ranks against every home in each area.
MeasureThis homeRamona 92065San Diego County
Estimated valuepricier than$860,32171% of homes48% of homes
Price per ft²pricier than$42864% of homes16% of homes
Living areabigger than2,008 ft²72% of homes73% of homes
Lot sizebigger than4.27 ac86% of homes90% of homes
Year builtnewer than199884% of homes72% of homes

About 866 Rancho Trl

How much is 866 Rancho Trl, Ramona, CA worth?

The TopHap Estimate for 866 Rancho Trl, Ramona, CA is $860,321 as of Jul 14, 2026. The likely range is $611,935 to $1,108,707. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 866 Rancho Trl, Ramona, CA last sell?

866 Rancho Trl, Ramona, CA last sold on Nov 10, 1998 for $285,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 866 Rancho Trl, Ramona, CA?

866 Rancho Trl, Ramona, CA has 3 bedrooms, 2 bathrooms and 2,008 square feet of living space.

When was 866 Rancho Trl, Ramona, CA built?

866 Rancho Trl, Ramona, CA was built in 1998, making it 28 years old. It is a conventional home. The building has 1 story.

What schools serve 866 Rancho Trl, Ramona, CA?

866 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 866 Rancho Trl, Ramona, CA compare to other homes in Ramona 92065?

Among the 18,351 homes in Ramona 92065, it is worth more than 71% of them ($860,321 against a typical $762,996), its price per square foot is higher than 64% of them ($428 against a typical $400), it is bigger than 72% of them (2,008 ft² against a typical 1,536 ft²), its lot is bigger than 86% of them (4.27 ac against a typical 0.43 ac) and it is newer than 84% of them (1998 against a typical 1990). Measured against all of San Diego County, it is worth more than 48% 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 866 Rancho Trl, Ramona, CA?

The 2025 property tax bill for 866 Rancho Trl, Ramona, CA was $507. The county assessed it at $191,737.

More homes on Rancho Trl

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Assigned schools

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