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316 4th St1 / 46 · Click to zoom

About this home

This beautifully remodeled 2 bedroom, 2 bathroom house is situated on a spacious .24-acre flat lot in the heart of Ramona. Every inch of this property has been thoughtfully updated with brand-new finishes throughout, offering modern style and turnkey convenience. Recent upgrades include new stucco, fresh interior and exterior paint, luxury vinyl plank flooring, quartz countertops, new cabinets, updated fixtures, and brand-new appliances - everything is completely renovated and move-in ready. The property also features a detached third bedroom, perfect for a guest room, home office, studio, or additional rental potential. With valuable commercial zoning, this unique property offers endless possibilities for residential living, business use, or a live/work setup. Ideal for entrepreneurs, investors, or anyone looking for flexibility and future potential. Conveniently located in town with ample lot space for parking, storage, or expansion opportunities. A rare turnkey property with both residential comfort and commercial versatility!

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$380,000 · May 2018
📋 Assessed value$432,368
💵 Annual tax$5,529
🏫 School districtRamona City Unified School District

MLS #260011748SD

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$4,103
Principal & interest$3,312
Property tax$600
Home insurance$191
Down payment: $131,000Loan: $524,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.