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3208 Silver Ridge Ct, Oceanside, CA, 92058

4beds
4baths
2,851sqft
$1,499,950
$526price/sqft
$9,850/moest. monthly cost
$394,000/yrincome needed

About This Home

North County Coastal Gem! Amazing Neighborhood! Largest lot in Tract! Newer Kitchen w/Quartz Zite/Island/Commercial Grade Appliances! Newer Bathrooms/Jacuzzi Tub! Travertine Flooring! 2 Master Suites! Vaulted Ceiling! Inside Laundry Room! Resort Style Backyard with Canyon views! Sparkling Pool/Spa! 3 Patios & Wrap Around Bar with Amenities! Detatched Workshop Possible ADU! Oversized 3 Car Garage with 4 Car Driveway! Solar! Tankless Water Heater System! Upgraded 200 Amp Panel w/ RV & EV Hookups 240! Close to Everything, Modern Amenities, Approximately 200 Square Foot Loft (No Permit) Not Included In Square Footage! Walk or Bike to the Beach! No Neighbors Behind You! To Much To List!

Getting Around

8
WalkingCar-Dependent
10
TransitMinimal Transit
2
BikeSomewhat Bikeable

Schools

4/10
2/10
Jefferson Middle SchoolGrades 6-81.5 mi
5/10
Oceanside High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Slab
  • Roof: Tile

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Microwave,Gas Oven/Range
  • Laundry features: Inside

Bathroom

  • Features: Granite, Marble, ShowerandTub, FullonGroundFloor, HalfonGroundFloor

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset, GroundFloorPrimaryBedroom2plus

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: DiningAreainLivingRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Travertine,Wood
  • Fireplace features: Family Room

Heating & Cooling

  • Heating features: Central Forced Air,Solar and Gas
  • Cooling features: Central Air,Whole House Fan

Interior Area

  • Total structure area: 2,851
  • Total interior livable area: 2,851 sqft

Kitchen

  • Features: Island

Property

Details

  • Parcel number: 1463110600
  • Zoning: R1
  • Special condition: Standard

Features

  • Pool features: In Ground,Pool/Spa Combo,Pool Sweep
  • Spa features: Pool/SpaCombo
  • Has view: Yes
  • View description: Canyon,Garden/Greenbelt,Hills

Lot

  • Lot size: 0.31 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Wildfire
Earthquake
Heat Wave
Inland Flooding

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,584$91,008
Home Insurance *$257$3,084
Property Taxes $1,398$16,776
Electricity $611$7,336
Total$9,850$118,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$337,714/yr
40% on housing$295,500/yr
45% on housing$262,666/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$526This listing

vs Other Active Listings

Avg $/sqft

ZIP 92058$371
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92058$547
San Diego County$576

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-28Listed for sale$1,499,950
2000-05-26Sold$275,000
1998-02-25Sold$188,000
1996-11-26Sold$187,000

For Sale by Agent

AgentCraig Bednash
BrokerageBRG Realty

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