5227 Ruette De Mer , San Diego, CA 92130
$2,474,999
Est. Payment: $13,500.37/mo
5 Bed
4 Bath
2991 Sqft
Status: Pending | Days on site: 26
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House Description

Rare opportunity to own the only home currently available in Carmel Valley under $2.995 million with panoramic golf course views and sweeping hill vistas. 4 miles from the ocean! A highly differentiated offering with a view profile that is difficult to replicate at this price point. Set on one of Palacio Del Mar’s premier view lots overlooking the 5th fairway, this exceptional residence offers the privacy, panoramic vistas, and refined indoor-outdoor living today’s luxury buyers demand. Nestled behind the guard gates of Carmel Valley’s most coveted community, a grand formal entry with soaring cathedral ceilings opens gracefully to sun-filled living and dining spaces. The highly functional layout offers 5 spacious bedrooms plus a dedicated 6th room perfect for a private home office, along with a main-level bedroom and full bath ideal for guests or multigenerational living. Outside, the property functions as a private garden sanctuary, wrapped in lush mature landscaping and fruit trees. Residents enjoy unparalleled peace of mind alongside resort-style amenities—including a private 9-hole golf course, tennis/pickleball/basketball courts, pools, and fitness center—all while served by top-rated schools (Sage Canyon Elementary, Carmel Valley Middle, Torrey Pines, and Canyon Crest Academy). Located just minutes from One Paseo, Del Mar Highlands, coastal beaches, and major freeways, homes offering this combination of size, security, views, and lifestyle access rarely become available. Palacio Del Mar is one of Carmel Valley’s premier guard-gated communities, offering exceptional privacy, security, and a true resort-style lifestyle. Residents enjoy an unparalleled amenity package with unlimited access to a private 9-hole executive golf course included in the HOA fees, along with two heated pools, tennis, pickleball, basketball courts, a fitness center, clubhouse, and miles of walking, biking, and horse trails woven through scenic greenbelts. Families are served by top-rated Del Mar Union and San Dieguito Union High School Districts, including Sage Canyon Elementary, Carmel Valley Middle, Torrey Pines High, and Canyon Crest Academy. Ideally located just minutes from One Paseo, Del Mar Highlands Town Center, pristine beaches, and major freeways, Palacio Del Mar delivers an unmatched blend of luxury, convenience, and community living.

Highlights

Listed by Molly Olen , 619-972-1640 Windermere Real Estate , 760-321-0883. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

HOA Fee

505 Monthly

Year Built

1998

County

San Diego

Area

92130 - Carmel Valley

Listing ID

260021348SD

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In
Air Cond:Central Air
Fireplaces:Family Room,Living Room,Primary Bedroom

Exterior Features

Lot:No Land Lease
Garage Capacity:5
Roof:Composition,Concrete
Others:
  • ▪ Additional:Stucco
Parking Features:Driveway
Principal Interest
$13,500
Taxes
$1,578
HOA
$505

Home Price

$2,474,999

Loan Details

30 yrs
7.245%

Down Payment

20%
$495,000
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:
$13,500.37

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $13,500.37 $1,577.81 $505.00 $15,583.18
Yearly $162,004.45 $18,933.74 $6,060.00 $186,998.19
Total $4,860,133.43 $568,012.27 $181,800.00 $5,609,945.70

Today's Rates

30 Year

7.25%

20 Year

7.27%

15 Year

6.6%

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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: 2026-10-05T01:13:22.000Z

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