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1310 H Street — Ramona — 3 Beds • 3 Baths • 1,451 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+25 more

$665,000

0 DOM

$458/sqft3 bd3 ba1,451 sqftHOA ~250/mo

Call

1310 H St Ramona, CA 92065

3,186sqft lot

Assumable 2.875% rate! You can save THOUSANDS every month on this beautiful 3-bedroom home in the exclusive 24 home community of Oak Creek Estates. Relax on warm summer days at the community pool and spa, and enjoy your evenings on your back patio and turf back yard. The 3-bedroom home features beautiful new tile flooring in the kitchen, 20-foot ceilings in the living room, and flexible bedroom or den downstairs, perfect for guests or extended family. The large primary suite features double doors, vaulted ceilings, a huge closet and dual vanity. This home has been wonderfully maintained and is just a short walk to Main Street. With an exclusive community and unbelievable low rate, this is an opportunity that won't come again, or last long!!

MLS PTP2602754

855-450-0442 (Office) 858-242-8074 (Cell) ray@coastlinesandiego.com

Est. payment

$4,500/mo

Principal & interestTaxesInsuranceHOA

$3,363$693$194$250

Down %

Rate %

Years

Down payment: $133,000 · Total cost: $1,343,537

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$4,500/mo

Principal & interest: $3,363
Est. property tax: $693
Est. insurance: $194
HOA (normalized / mo): $250
Down payment: $133,000

Est. gross rent$2,771/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-1,729/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Virtual Tour

Explore 3D Space

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Price History

Event	Date	Price	Change
Listed	Mar 30, 2026	$665,000	—

Facts & Features

Transaction Data

HOA Fee$250/monthly

Structure & Property

Year Built2001

Garage Spaces2

855-450-0442 (Office) 858-242-8074 (Cell) ray@coastlinesandiego.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

1310 H Street, Ramona, CA 92065

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Call

1310 H St Ramona, CA 92065

About this home

Ray Fraser

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Ray Fraser

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

1310 H Street, Ramona, CA 92065

About This Property

Property Photos

1310 H St Ramona, CA 92065

About this home

Ray Fraser

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Ray Fraser

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.