37589 Montezuma Valley Rd , Ranchita, CA 92066
$355,000
Est. Payment: $1,792.65/mo
3 Bed
2 Bath
1440 Sqft
Status: active | Days on site: 58
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Set in the scenic heart of Ranchita Valley, this property presents a rare opportunity for a cash buyer, investor, or buyer utilizing an FHA 203(k) renovation loan to create value and build equity in San Diego County’s beautiful backcountry. Located just off the south side of Montezuma Valley Road, the property offers privacy and rural charm while remaining only minutes from Montezuma Valley Fire Station #58. Situated on 6.15 fully fenced acres with a manual gated entry, this versatile backcountry property offers an exceptional combination of infrastructure, usability, and rural potential rarely found at this price point. Two large agricultural outbuildings situated on cement pads are equipped with both electricity and water, providing ideal space for equipment storage, workshops, agricultural use, or hobby farming. A workshop/garage and an additional storage shed further enhance the property’s utility. The 1989 manufactured home offers approximately 1,440 square feet with 3 bedrooms and 2 bathrooms on a permanent foundation with a recorded 433A, making the property eligible for both traditional and renovation financing. Inside, vaulted ceilings and an open-concept layout create a spacious and inviting atmosphere, seamlessly connecting the living room, dining area, and kitchen. A newer corner pellet stove set on a raised tile hearth adds warmth and character to the main living space. The primary suite features a soaking tub and separate shower, while all three bedrooms are generously sized with abundant natural light. Additional interior features include a built-in pantry with shelving, an indoor laundry/mudroom area with a deep wash sink. A newer roof, and an updated electrical panel are already in place. Outside, a large covered back patio offers excellent potential for outdoor living and could easily accommodate a future jacuzzi or entertaining space. The property is serviced by a private water well, septic system, and an approximately 5,000-gallon water storage tank. Zoned A70 with an “O” animal designation, the parcel supports a variety of rural lifestyle uses including small-scale agriculture, animal keeping, gardening, and country living. Recent defensible space improvements, including tree trimming and removal, have also been completed by the owner. Buyer to verify all permitted uses and development potential with the County of San Diego. The residence itself is a fixer with substantial rehabilitation needs and has been priced accordingly. Property is being sold strictly as-is, and buyers are encouraged to conduct all independent inspections and due diligence. Beyond the property itself, Ranchita offers a lifestyle rooted in open space, quiet living, and connection to nature. Surrounded by rolling valleys, mountain views, and endless skies, the area is known for its peaceful rural atmosphere and access to outdoor recreation. Nearby attractions include hiking and riding trails, camping, off-road exploration, and easy access to Anza-Borrego Desert State Park, Lake Henshaw, Julian, and Palomar Mountain. Whether enjoying star-filled nights, scenic drives, local farmers markets, or the slower pace of country living, Ranchita captures the essence of San Diego County’s backcountry lifestyle.

Highlights

Listed by Starlene Bennin , 760-908-2546 and Ashlyn Windsor , 760-936-2294 Chameleon, DBA Red Hawk Realty , 800-371-6669. CRMLS/Multi-Regional MLS mls logo

Property Type

Manufactured Home

Lot/Acreage
6.15

Year Built

1989

County

San Diego

Area

92066 - Ranchita

School District

Warner Unified

Listing ID

NDP2604851

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Propane Oven, Propane Range, Self Cleaning Oven
Air Cond:Central Air
Fireplaces:Living Room,Pellet Stove
Floor:Carpet,Vinyl
Other:Ceiling Fan(s),Separate/Formal Dining Room,Open Floorplan,Primary Suite,Walk-In Closet(s)
Other:Well

Exterior Features

Lot:Agricultural,Back Yard,Front Yard,Level,Pasture,Rectangular Lot,Trees,Yard,No Land Lease
Garage Capacity:0
Zoning:A70
Others:Fixer
Sewer:Septic Tank
Principal Interest
$1,793
Taxes
$226

Home Price

$355,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$71,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,792.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,792.65 $226.31 $0.00 $2,018.96
Yearly $21,511.75 $2,715.75 $0.00 $24,227.50
Total $645,352.50 $81,472.50 $0.00 $726,825.00

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (Ranchita, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

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Data last updated: 2026-08-10T18:36:54.000Z

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