12977 Camino Emparrado , San Diego, CA 92128
$989,999
Est. Payment: $4,999.20/mo
2 Bed
2 Bath
1350 Sqft
Status: active | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Welcome to this exceptional single-story retreat, ideally located in the Oaks North 55+ community on a quiet cul-de-sac with sweeping panoramic views of the Oaks North Golf Course. This light-filled residence showcases vaulted ceilings, newer luxury vinyl plank flooring, recessed lighting, and fresh interior paint, creating a bright and inviting atmosphere throughout. The spacious living room with a cozy fireplace, flows seamlessly into the dining room, both showcasing the rolling fairways and lush greens of the golf course. The upgraded kitchen is equipped with Thermador stainless steel appliances, quartz countertops, custom cabinetry, bar seating, and a charming garden window. A breakfast nook and separate dining area offer flexible options for everyday living and hosting guests. The spa-like primary bathroom offers a serene escape with an impressive walk-in shower and beautifully upgraded finishes. The backyard is truly a showstopper! A spacious patio with an aluminum pergola for shade, and low-maintenance landscaping with mature citrus trees, create a perfect setting for entertaining, relaxing or dining al fresco while taking in the beautiful golf course backdrop. Residents enjoy access to the Oaks North Community Center, featuring a pool, spa, tennis, pickleball courts, a fitness center and more..Conveniently located near golf, shopping, dining, Rancho Bernardo Inn, and Bernardo Winery. This home offers the perfect combination of luxury, leisure, and lifestyle while all set against the picturesque, and unobstructed resort like golf course views.

Highlights

Listed by Ningrit Flud , 760-801-6481 and Lisa Herndon , 760-579-1183 RE/MAX Connections , 858-391-5800. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

49.583333333333 Monthly

Year Built

1979

County

San Diego

Area

92128 - Rancho Bernardo

Neighborhood

Rancho Bernardo

Listing ID

260017250SD

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Convection Oven, Counter Top, Dishwasher, Electric Cooktop, Electric Cooking, Disposal, Microwave
Air Cond:Central Air
Fireplaces:Living Room
Other:Separate/Formal Dining Room,All Bedrooms Down,Bedroom on Main Level,Main Level Primary

Exterior Features

Lot:No Land Lease
Garage Capacity:4
Parking Features:Driveway
Principal Interest
$4,999
Taxes
$631
HOA
$50

Home Price

$989,999

Loan Details

30 yrs
6.487%

Down Payment

20%
$198,000
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:
$4,999.20

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,999.20 $631.12 $49.58 $5,679.91
Yearly $59,990.45 $7,573.49 $595.00 $68,158.95
Total $1,799,713.60 $227,204.77 $17,850.00 $2,044,768.37

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: 2026-08-10T20:37:41.000Z

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