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16390-whispering-oaks-dr,ramona,ca,92065

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16390 Whispering Oaks Dr

Ramona, CA, 92065

For Sale $1,500,000 ($394.63 per Sq Ft)

$1,500,000 ($394.63 per Sq Ft)

☆☆☆☆☆★★★★★
Not Rated
(0)

6 Bedrooms
4 Bathrooms
3,801 Sq Ft
102,366 Sq Ft

Description

This private oasis in West Ramona offers the perfect blend of luxury and nature, just minutes from Iron Mountain and Mt. Woodson's Potato Chip Rock. The main residence features 5 bedrooms and 3 bathrooms, with a convenient primary bedroom on the main level and a single private bedroom with ensuite located exclusively on the second level. A fully-equipped 1-bedroom, 1-bathroom tiny home provides a private retreat with its own kitchen and living space, ideal for multi-generational living or a home office. The home features a chef's kitchen, spacious living areas, and breathtaking mountain views. The outdoor space includes a pool, entertainer's deck, and ample room for outdoor activities. Recent upgrades include fully owned solar, two electric car chargers on their own panels in the garage, new HVAC, new pool equipment, and fenced in yard. Established private residence predates surrounding gated development—enjoys community security benefits and privacy without HOA fees or restrictions due to grandfathered status. Enjoy daily wildlife visits and magical sunset views in this serene and private setting. This is a rare opportunity to own a piece of paradise.

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Amenities

Garage

Pool

Garden

Security System

Internet

Telephone

Heating

Fireplace

Balcony & Patio

TV / Cable

Laundry

Hardwood Floors

Spa

Air Conditioning

Solar Power

Floor Plan

Great Views

Natural Light

Quiet

Water View

Elevator

Guest Unit(s)

Furnished

220 Volt

Property Details

List Price	$1,500,000
Property Type	Single Family Homes
Usable Sqft	3,801
Number of Stories	2 stories
Parking Spots	2 spots
Year Built	1984
Last Sold	Unknown
Sold Price	Unknown

APN #	2784101400
MLS #	250021727SD
Property ID	319065762
Lot Sqft	102,366
Zoning	R-1:SINGLE
Days on Market	6
Original List Price	$1,500,000
Applicances	Dishwasher,Disposal%
Date Updated	March 20, 2025
Date Created	March 18, 2025

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Your payment
$10,655
per month

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Estimated payment	$10,655 /mo
Loan amount	$1,500,000
Down payment	$0
Interest rate	7.5%
Loan term	30 years
Taxes & insurance included?	YES
Property tax	1.2%/YR
Homeowner's insurance	$67/mo
HOA dues	$0/mo

Payment Breakdown

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Your payment
$10,655
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $2,275,973 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$10,488	$1,113	$9,375	$1,498,887
2	$10,488	$1,120	$9,368	$1,497,767
3	$10,488	$1,127	$9,361	$1,496,640
4	$10,488	$1,134	$9,354	$1,495,506
5	$10,488	$1,141	$9,347	$1,494,365
6	$10,488	$1,148	$9,340	$1,493,217
7	$10,488	$1,155	$9,333	$1,492,061
8	$10,488	$1,163	$9,325	$1,490,899
9	$10,488	$1,170	$9,318	$1,489,729
10	$10,488	$1,177	$9,311	$1,488,552
11	$10,488	$1,185	$9,303	$1,487,367
12	$10,488	$1,192	$9,296	$1,486,175
13	$10,488	$1,199	$9,289	$1,484,976
14	$10,488	$1,207	$9,281	$1,483,769
15	$10,488	$1,214	$9,274	$1,482,554
16	$10,488	$1,222	$9,266	$1,481,332
17	$10,488	$1,230	$9,258	$1,480,103
18	$10,488	$1,237	$9,251	$1,478,865
19	$10,488	$1,245	$9,243	$1,477,620
20	$10,488	$1,253	$9,235	$1,476,367
21	$10,488	$1,261	$9,227	$1,475,107
22	$10,488	$1,269	$9,219	$1,473,838
23	$10,488	$1,277	$9,211	$1,472,562
24	$10,488	$1,284	$9,204	$1,471,277
25	$10,488	$1,293	$9,195	$1,469,985
26	$10,488	$1,301	$9,187	$1,468,684
27	$10,488	$1,309	$9,179	$1,467,375
28	$10,488	$1,317	$9,171	$1,466,058
29	$10,488	$1,325	$9,163	$1,464,733
30	$10,488	$1,333	$9,155	$1,463,400
31	$10,488	$1,342	$9,146	$1,462,058
32	$10,488	$1,350	$9,138	$1,460,708
33	$10,488	$1,359	$9,129	$1,459,349
34	$10,488	$1,367	$9,121	$1,457,982
35	$10,488	$1,376	$9,112	$1,456,607
36	$10,488	$1,384	$9,104	$1,455,222
37	$10,488	$1,393	$9,095	$1,453,830
38	$10,488	$1,402	$9,086	$1,452,428
39	$10,488	$1,410	$9,078	$1,451,018
40	$10,488	$1,419	$9,069	$1,449,599
41	$10,488	$1,428	$9,060	$1,448,171
42	$10,488	$1,437	$9,051	$1,446,734
43	$10,488	$1,446	$9,042	$1,445,288
44	$10,488	$1,455	$9,033	$1,443,833
45	$10,488	$1,464	$9,024	$1,442,369
46	$10,488	$1,473	$9,015	$1,440,896
47	$10,488	$1,482	$9,006	$1,439,413
48	$10,488	$1,492	$8,996	$1,437,921
49	$10,488	$1,501	$8,987	$1,436,420
50	$10,488	$1,510	$8,978	$1,434,910
51	$10,488	$1,520	$8,968	$1,433,390
52	$10,488	$1,529	$8,959	$1,431,861
53	$10,488	$1,539	$8,949	$1,430,322
54	$10,488	$1,548	$8,940	$1,428,774
55	$10,488	$1,558	$8,930	$1,427,215
56	$10,488	$1,568	$8,920	$1,425,648
57	$10,488	$1,578	$8,910	$1,424,070
58	$10,488	$1,588	$8,900	$1,422,482
59	$10,488	$1,597	$8,891	$1,420,885
60	$10,488	$1,607	$8,881	$1,419,277
61	$10,488	$1,618	$8,870	$1,417,660
62	$10,488	$1,628	$8,860	$1,416,032
63	$10,488	$1,638	$8,850	$1,414,394
64	$10,488	$1,648	$8,840	$1,412,746
65	$10,488	$1,658	$8,830	$1,411,088
66	$10,488	$1,669	$8,819	$1,409,419
67	$10,488	$1,679	$8,809	$1,407,740
68	$10,488	$1,690	$8,798	$1,406,051
69	$10,488	$1,700	$8,788	$1,404,350
70	$10,488	$1,711	$8,777	$1,402,640
71	$10,488	$1,722	$8,767	$1,400,918
72	$10,488	$1,732	$8,756	$1,399,186
73	$10,488	$1,743	$8,745	$1,397,443
74	$10,488	$1,754	$8,734	$1,395,689
75	$10,488	$1,765	$8,723	$1,393,924
76	$10,488	$1,776	$8,712	$1,392,148
77	$10,488	$1,787	$8,701	$1,390,361
78	$10,488	$1,798	$8,690	$1,388,562
79	$10,488	$1,809	$8,679	$1,386,753
80	$10,488	$1,821	$8,667	$1,384,932
81	$10,488	$1,832	$8,656	$1,383,100
82	$10,488	$1,844	$8,644	$1,381,256
83	$10,488	$1,855	$8,633	$1,379,401
84	$10,488	$1,867	$8,621	$1,377,535
85	$10,488	$1,878	$8,610	$1,375,656
86	$10,488	$1,890	$8,598	$1,373,766
87	$10,488	$1,902	$8,586	$1,371,864
88	$10,488	$1,914	$8,574	$1,369,950
89	$10,488	$1,926	$8,562	$1,368,024
90	$10,488	$1,938	$8,550	$1,366,086
91	$10,488	$1,950	$8,538	$1,364,137
92	$10,488	$1,962	$8,526	$1,362,174
93	$10,488	$1,974	$8,514	$1,360,200
94	$10,488	$1,987	$8,501	$1,358,213
95	$10,488	$1,999	$8,489	$1,356,214
96	$10,488	$2,012	$8,476	$1,354,202
97	$10,488	$2,024	$8,464	$1,352,178
98	$10,488	$2,037	$8,451	$1,350,141
99	$10,488	$2,050	$8,438	$1,348,092
100	$10,488	$2,062	$8,426	$1,346,029
101	$10,488	$2,075	$8,413	$1,343,954
102	$10,488	$2,088	$8,400	$1,341,866
103	$10,488	$2,101	$8,387	$1,339,764
104	$10,488	$2,114	$8,374	$1,337,650
105	$10,488	$2,128	$8,360	$1,335,522
106	$10,488	$2,141	$8,347	$1,333,381
107	$10,488	$2,154	$8,334	$1,331,227
108	$10,488	$2,168	$8,320	$1,329,059
109	$10,488	$2,181	$8,307	$1,326,878
110	$10,488	$2,195	$8,293	$1,324,682
111	$10,488	$2,209	$8,279	$1,322,474
112	$10,488	$2,223	$8,265	$1,320,251
113	$10,488	$2,236	$8,252	$1,318,015
114	$10,488	$2,250	$8,238	$1,315,764
115	$10,488	$2,264	$8,224	$1,313,500
116	$10,488	$2,279	$8,209	$1,311,221
117	$10,488	$2,293	$8,195	$1,308,928
118	$10,488	$2,307	$8,181	$1,306,621
119	$10,488	$2,322	$8,166	$1,304,300
120	$10,488	$2,336	$8,152	$1,301,963
121	$10,488	$2,351	$8,137	$1,299,613
122	$10,488	$2,365	$8,123	$1,297,247
123	$10,488	$2,380	$8,108	$1,294,867
124	$10,488	$2,395	$8,093	$1,292,472
125	$10,488	$2,410	$8,078	$1,290,062
126	$10,488	$2,425	$8,063	$1,287,637
127	$10,488	$2,440	$8,048	$1,285,197
128	$10,488	$2,456	$8,032	$1,282,741
129	$10,488	$2,471	$8,017	$1,280,270
130	$10,488	$2,486	$8,002	$1,277,784
131	$10,488	$2,502	$7,986	$1,275,282
132	$10,488	$2,517	$7,971	$1,272,765
133	$10,488	$2,533	$7,955	$1,270,231
134	$10,488	$2,549	$7,939	$1,267,682
135	$10,488	$2,565	$7,923	$1,265,117
136	$10,488	$2,581	$7,907	$1,262,536
137	$10,488	$2,597	$7,891	$1,259,939
138	$10,488	$2,613	$7,875	$1,257,326
139	$10,488	$2,630	$7,858	$1,254,696
140	$10,488	$2,646	$7,842	$1,252,050
141	$10,488	$2,663	$7,825	$1,249,387
142	$10,488	$2,679	$7,809	$1,246,708
143	$10,488	$2,696	$7,792	$1,244,012
144	$10,488	$2,713	$7,775	$1,241,299
145	$10,488	$2,730	$7,758	$1,238,569
146	$10,488	$2,747	$7,741	$1,235,822
147	$10,488	$2,764	$7,724	$1,233,058
148	$10,488	$2,781	$7,707	$1,230,277
149	$10,488	$2,799	$7,689	$1,227,478
150	$10,488	$2,816	$7,672	$1,224,662
151	$10,488	$2,834	$7,654	$1,221,828
152	$10,488	$2,852	$7,636	$1,218,976
153	$10,488	$2,869	$7,619	$1,216,107
154	$10,488	$2,887	$7,601	$1,213,219
155	$10,488	$2,905	$7,583	$1,210,314
156	$10,488	$2,924	$7,564	$1,207,390
157	$10,488	$2,942	$7,546	$1,204,449
158	$10,488	$2,960	$7,528	$1,201,488
159	$10,488	$2,979	$7,509	$1,198,510
160	$10,488	$2,997	$7,491	$1,195,512
161	$10,488	$3,016	$7,472	$1,192,496
162	$10,488	$3,035	$7,453	$1,189,461
163	$10,488	$3,054	$7,434	$1,186,408
164	$10,488	$3,073	$7,415	$1,183,335
165	$10,488	$3,092	$7,396	$1,180,242
166	$10,488	$3,111	$7,377	$1,177,131
167	$10,488	$3,131	$7,357	$1,174,000
168	$10,488	$3,151	$7,338	$1,170,850
169	$10,488	$3,170	$7,318	$1,167,679
170	$10,488	$3,190	$7,298	$1,164,489
171	$10,488	$3,210	$7,278	$1,161,279
172	$10,488	$3,230	$7,258	$1,158,049
173	$10,488	$3,250	$7,238	$1,154,799
174	$10,488	$3,271	$7,218	$1,151,529
175	$10,488	$3,291	$7,197	$1,148,238
176	$10,488	$3,312	$7,176	$1,144,926
177	$10,488	$3,332	$7,156	$1,141,594
178	$10,488	$3,353	$7,135	$1,138,241
179	$10,488	$3,374	$7,114	$1,134,867
180	$10,488	$3,395	$7,093	$1,131,472
181	$10,488	$3,416	$7,072	$1,128,056
182	$10,488	$3,438	$7,050	$1,124,618
183	$10,488	$3,459	$7,029	$1,121,159
184	$10,488	$3,481	$7,007	$1,117,678
185	$10,488	$3,503	$6,985	$1,114,176
186	$10,488	$3,524	$6,964	$1,110,651
187	$10,488	$3,546	$6,942	$1,107,105
188	$10,488	$3,569	$6,919	$1,103,536
189	$10,488	$3,591	$6,897	$1,099,945
190	$10,488	$3,613	$6,875	$1,096,332
191	$10,488	$3,636	$6,852	$1,092,696
192	$10,488	$3,659	$6,829	$1,089,037
193	$10,488	$3,682	$6,806	$1,085,356
194	$10,488	$3,705	$6,783	$1,081,651
195	$10,488	$3,728	$6,760	$1,077,924
196	$10,488	$3,751	$6,737	$1,074,173
197	$10,488	$3,774	$6,714	$1,070,398
198	$10,488	$3,798	$6,690	$1,066,600
199	$10,488	$3,822	$6,666	$1,062,778
200	$10,488	$3,846	$6,642	$1,058,933
201	$10,488	$3,870	$6,618	$1,055,063
202	$10,488	$3,894	$6,594	$1,051,169
203	$10,488	$3,918	$6,570	$1,047,251
204	$10,488	$3,943	$6,545	$1,043,308
205	$10,488	$3,967	$6,521	$1,039,341
206	$10,488	$3,992	$6,496	$1,035,349
207	$10,488	$4,017	$6,471	$1,031,332
208	$10,488	$4,042	$6,446	$1,027,290
209	$10,488	$4,067	$6,421	$1,023,222
210	$10,488	$4,093	$6,395	$1,019,129
211	$10,488	$4,118	$6,370	$1,015,011
212	$10,488	$4,144	$6,344	$1,010,867
213	$10,488	$4,170	$6,318	$1,006,697
214	$10,488	$4,196	$6,292	$1,002,501
215	$10,488	$4,222	$6,266	$998,278
216	$10,488	$4,249	$6,239	$994,029
217	$10,488	$4,275	$6,213	$989,754
218	$10,488	$4,302	$6,186	$985,452
219	$10,488	$4,329	$6,159	$981,123
220	$10,488	$4,356	$6,132	$976,767
221	$10,488	$4,383	$6,105	$972,384
222	$10,488	$4,411	$6,077	$967,973
223	$10,488	$4,438	$6,050	$963,535
224	$10,488	$4,466	$6,022	$959,069
225	$10,488	$4,494	$5,994	$954,575
226	$10,488	$4,522	$5,966	$950,054
227	$10,488	$4,550	$5,938	$945,503
228	$10,488	$4,579	$5,909	$940,925
229	$10,488	$4,607	$5,881	$936,318
230	$10,488	$4,636	$5,852	$931,682
231	$10,488	$4,665	$5,823	$927,017
232	$10,488	$4,694	$5,794	$922,322
233	$10,488	$4,723	$5,765	$917,599
234	$10,488	$4,753	$5,735	$912,846
235	$10,488	$4,783	$5,705	$908,063
236	$10,488	$4,813	$5,675	$903,251
237	$10,488	$4,843	$5,645	$898,408
238	$10,488	$4,873	$5,615	$893,535
239	$10,488	$4,903	$5,585	$888,632
240	$10,488	$4,934	$5,554	$883,698
241	$10,488	$4,965	$5,523	$878,733
242	$10,488	$4,996	$5,492	$873,737
243	$10,488	$5,027	$5,461	$868,710
244	$10,488	$5,059	$5,429	$863,651
245	$10,488	$5,090	$5,398	$858,561
246	$10,488	$5,122	$5,366	$853,439
247	$10,488	$5,154	$5,334	$848,285
248	$10,488	$5,186	$5,302	$843,099
249	$10,488	$5,219	$5,269	$837,880
250	$10,488	$5,251	$5,237	$832,629
251	$10,488	$5,284	$5,204	$827,345
252	$10,488	$5,317	$5,171	$822,028
253	$10,488	$5,350	$5,138	$816,677
254	$10,488	$5,384	$5,104	$811,293
255	$10,488	$5,417	$5,071	$805,876
256	$10,488	$5,451	$5,037	$800,425
257	$10,488	$5,485	$5,003	$794,939
258	$10,488	$5,520	$4,968	$789,420
259	$10,488	$5,554	$4,934	$783,866
260	$10,488	$5,589	$4,899	$778,277
261	$10,488	$5,624	$4,864	$772,653
262	$10,488	$5,659	$4,829	$766,994
263	$10,488	$5,694	$4,794	$761,300
264	$10,488	$5,730	$4,758	$755,570
265	$10,488	$5,766	$4,722	$749,804
266	$10,488	$5,802	$4,686	$744,003
267	$10,488	$5,838	$4,650	$738,165
268	$10,488	$5,874	$4,614	$732,290
269	$10,488	$5,911	$4,577	$726,379
270	$10,488	$5,948	$4,540	$720,431
271	$10,488	$5,985	$4,503	$714,445
272	$10,488	$6,023	$4,465	$708,423
273	$10,488	$6,060	$4,428	$702,362
274	$10,488	$6,098	$4,390	$696,264
275	$10,488	$6,136	$4,352	$690,128
276	$10,488	$6,175	$4,313	$683,953
277	$10,488	$6,213	$4,275	$677,740
278	$10,488	$6,252	$4,236	$671,488
279	$10,488	$6,291	$4,197	$665,196
280	$10,488	$6,331	$4,157	$658,866
281	$10,488	$6,370	$4,118	$652,496
282	$10,488	$6,410	$4,078	$646,086
283	$10,488	$6,450	$4,038	$639,636
284	$10,488	$6,490	$3,998	$633,146
285	$10,488	$6,531	$3,957	$626,615
286	$10,488	$6,572	$3,916	$620,043
287	$10,488	$6,613	$3,875	$613,431
288	$10,488	$6,654	$3,834	$606,776
289	$10,488	$6,696	$3,792	$600,081
290	$10,488	$6,737	$3,751	$593,343
291	$10,488	$6,780	$3,708	$586,564
292	$10,488	$6,822	$3,666	$579,742
293	$10,488	$6,865	$3,623	$572,877
294	$10,488	$6,908	$3,580	$565,970
295	$10,488	$6,951	$3,537	$559,019
296	$10,488	$6,994	$3,494	$552,025
297	$10,488	$7,038	$3,450	$544,987
298	$10,488	$7,082	$3,406	$537,905
299	$10,488	$7,126	$3,362	$530,779
300	$10,488	$7,171	$3,317	$523,608
301	$10,488	$7,215	$3,273	$516,393
302	$10,488	$7,261	$3,227	$509,132
303	$10,488	$7,306	$3,182	$501,826
304	$10,488	$7,352	$3,136	$494,475
305	$10,488	$7,398	$3,090	$487,077
306	$10,488	$7,444	$3,044	$479,634
307	$10,488	$7,490	$2,998	$472,143
308	$10,488	$7,537	$2,951	$464,606
309	$10,488	$7,584	$2,904	$457,022
310	$10,488	$7,632	$2,856	$449,390
311	$10,488	$7,679	$2,809	$441,711
312	$10,488	$7,727	$2,761	$433,984
313	$10,488	$7,776	$2,712	$426,208
314	$10,488	$7,824	$2,664	$418,384
315	$10,488	$7,873	$2,615	$410,511
316	$10,488	$7,922	$2,566	$402,589
317	$10,488	$7,972	$2,516	$394,617
318	$10,488	$8,022	$2,466	$386,595
319	$10,488	$8,072	$2,416	$378,523
320	$10,488	$8,122	$2,366	$370,401
321	$10,488	$8,173	$2,315	$362,228
322	$10,488	$8,224	$2,264	$354,004
323	$10,488	$8,275	$2,213	$345,729
324	$10,488	$8,327	$2,161	$337,401
325	$10,488	$8,379	$2,109	$329,022
326	$10,488	$8,432	$2,056	$320,591
327	$10,488	$8,484	$2,004	$312,106
328	$10,488	$8,537	$1,951	$303,569
329	$10,488	$8,591	$1,897	$294,978
330	$10,488	$8,644	$1,844	$286,334
331	$10,488	$8,698	$1,790	$277,635
332	$10,488	$8,753	$1,735	$268,883
333	$10,488	$8,807	$1,681	$260,075
334	$10,488	$8,863	$1,625	$251,213
335	$10,488	$8,918	$1,570	$242,295
336	$10,488	$8,974	$1,514	$233,321
337	$10,488	$9,030	$1,458	$224,291
338	$10,488	$9,086	$1,402	$215,205
339	$10,488	$9,143	$1,345	$206,062
340	$10,488	$9,200	$1,288	$196,862
341	$10,488	$9,258	$1,230	$187,604
342	$10,488	$9,315	$1,173	$178,289
343	$10,488	$9,374	$1,114	$168,915
344	$10,488	$9,432	$1,056	$159,483
345	$10,488	$9,491	$997	$149,992
346	$10,488	$9,551	$937	$140,441
347	$10,488	$9,610	$878	$130,831
348	$10,488	$9,670	$818	$121,161
349	$10,488	$9,731	$757	$111,430
350	$10,488	$9,792	$696	$101,638
351	$10,488	$9,853	$635	$91,786
352	$10,488	$9,914	$574	$81,871
353	$10,488	$9,976	$512	$71,895
354	$10,488	$10,039	$449	$61,856
355	$10,488	$10,101	$387	$51,755
356	$10,488	$10,165	$323	$41,590
357	$10,488	$10,228	$260	$31,362
358	$10,488	$10,292	$196	$21,070
359	$10,488	$10,356	$132	$10,714
360	$10,488	$10,421	$67	$0

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