12564 Camino Emparrado , San Diego, CA 92128
$850,000
Est. Payment: $4,292.25/mo
2 Bed
2 Bath
1455 Sqft
Status: active | Days on site: 5
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Located in the highly desirable 55+ community of Oaks North, this single-story home sits on an oversized 8,760 sq. ft. lot. An extra-long paver driveway and mature landscaping create beautiful curb appeal. The functional floor plan features an island kitchen with breakfast nook, a spacious living room with fireplace, and an enclosed atrium providing flexible space for a home office, hobby room or reading room, with potential to be incorporated into the home’s living area (buyer to investigate and verify). Luxury vinyl plank flooring has been installed in the kitchen and breakfast nook, while the epoxy-coated garage floor adds durability and convenience. Outside, a covered aluminum patio provides welcome shade while the expansive paver patio offers plenty of space for outdoor dining, entertaining, or simply enjoying San Diego’s year-round climate. The low-maintenance backyard and generous lot create a wonderful setting to relax and unwind. Whether you’re ready to update immediately or over time, this home offers an outstanding opportunity to make it your own in one of Rancho Bernardo’s most sought-after active adult communities. Enjoy convenient access to the Oaks North Golf Course and Community Center featuring a pool, spa, pickleball, lawn bowling, fitness center, library, clubhouse and a full calendar of social activities—all with low annual HOA dues of just $595. Ideally located near shopping, dining, medical facilities and easy freeway access. The home has been well maintained and offers a great opportunity to personalize one of Oaks North's most desirable floor plans.

Highlights

Listed by Courtney Cameron , 619-947-3516 Real Broker , 855-450-0442. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.2

HOA Fee

49.583333333333 Monthly

Year Built

1977

County

San Diego

Area

92128 - Rancho Bernardo

School District

Poway Unified

Listing ID

PTP2605917

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Electric Cooktop, Disposal, Microwave, Refrigerator, Range Hood, Water Heater, Dryer, Washer
Air Cond:Central Air
Fireplaces:Living Room
Floor:Carpet,Vinyl
Other:Breakfast Area,Separate/Formal Dining Room,Eat-in Kitchen,All Bedrooms Down,Atrium

Exterior Features

Lot:Landscaped,No Land Lease
Garage Capacity:4
Zoning:R-1:SINGLE FAM-RES
Roof:Tile
Others:Repairs Cosmetic
Parking Features:Driveway,Garage Faces Front,Garage
Principal Interest
$4,292
Taxes
$542
HOA
$50

Home Price

$850,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$170,000
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:
$4,292.25

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,292.25 $541.88 $49.58 $4,883.71
Yearly $51,507.01 $6,502.50 $595.00 $58,604.51
Total $1,545,210.21 $195,075.00 $17,850.00 $1,758,135.21

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 (San Diego, 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.

IDX service by Blueroof 360

Data last updated: 2026-08-11T00:38:43.000Z

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