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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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 homes 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 Diegos year-round climate. The low-maintenance backyard and generous lot create a wonderful setting to relax and unwind. Whether youre ready to update immediately or over time, this home offers an outstanding opportunity to make it your own in one of Rancho Bernardos 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 activitiesall 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. San Diego County Multiple Listing Service mls logo

Property Type

Residential

Lot/Acreage
0.2

HOA Fee

595 Annual

Year Built

1977

County

San Diego

School District

Poway Unified School District

Listing ID

PTP2605917

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
Air Cond:Central Forced Air
Fireplaces:FP in Living Room
Floor:Carpet,Linoleum/Vinyl

Exterior Features

Garage Capacity:4
Zoning:R-1:SINGLE
Roof:Tile/Clay
Others:Repairs Cosmetic
Parking Features:Garage
Principal Interest
$4,292
Taxes
$542
HOA
$595

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 $595.00 $5,429.13
Yearly $51,507.01 $6,502.50 $7,140.00 $65,149.51
Total $1,545,210.21 $195,075.00 $214,200.00 $1,954,485.21

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.

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Data last updated: 2026-08-11T00:39:30.000Z

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