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4603 Zamora Way, Oceanside, CA, 92056

2beds
2baths
1,952sqft
$1,210,000
$620price/sqft
$7,889/moest. monthly cost
$315,560/yrincome needed

About This Home

Welcome to this quality-crafted and thoughtfully reimagined turnkey Costa Smeralda model! Showcasing over $290,000 in renovations and improvements, this exceptional home features owned solar with a solar battery, dual HVAC, heat pump or gas, a brand-new water heater, and designer finishes throughout. Custom-laid paver walkways lead to a stunning custom front door framed by expansive decorative glass panels with elegant leaded glass details. Step inside to an extensively redesigned staircase with sleek contemporary railings and beautiful hickory wood flooring throughout, including distinctive basket-weave patterns in both the primary and guest bedrooms. The designer kitchen blends style and functionality with light espresso shaker cabinetry, leather granite countertops, a designer backsplash, premium fixtures, BOSCH appliances, generous workspace, and contemporary lighting. An expansive picture window overlooks your own private, lush, immaculate, and exceptionally low-maintenance backyard, creating a seamless connection between indoor and outdoor living on this nearly 5,000-square-foot cul-de-sac lot. The living room showcases a flush-finish fireplace with a designer herringbone marble surround and floating mantel. A wall-mounted flat-screen television and Sonos soundbar are included with the home. Custom honeycomb shades, draperies, electric shades, sleek modern ceiling fans, and sophisticated finishes complete this timeless yet luxurious living environment. Wake each morning to an ocean view from your private primary bedroom patio. The expanded loft and attic provide approximately 250 square feet of additional living space, complete with a guest powder room and a custom-built office area. This flexible space is ideal as a guest suite, home office, hobby room, or creative retreat. Additional interior upgrades include a whole-house chlorine filtration system, reverse osmosis drinking water system in the kitchen, whole-house water softener, energy-efficient heat pump HVAC system, custom pocket doors that maximize space and functionality, and a remodeled laundry room featuring a utility sink, extensive cabinetry, and a full-size front-loading washer and dryer. The fully permitted remodel also includes complete home repiping, offering peace of mind along with exceptional quality. San Diego County’s exclusive gated 55+ community offers the ultimate country club lifestyle. Residents enjoy a private par-55, 18-hole executive golf course included for homeowners and their guests, a solar-heated junior Olympic-size pool and spa, tennis and pickleball courts, bocce and croquet lawns, and shuffleboard courts for year-round recreation. The 27,000-square-foot clubhouse features a fitness center, locker rooms, library, performance hall, computer lab with PCs and Macs, billiards room, club rooms, and a fully equipped woodworking shop. Beautifully maintained greenbelts, a dedicated dog park, guard-gated entry with 24/7 security patrol, and convenient on-site RV parking complete this extraordinary community. Move-in ready and designed for effortless living, this exceptional home offers the very best in active adult luxury.

Getting Around

4
WalkingCar-Dependent
18
TransitMinimal Transit
16
BikeSomewhat Bikeable

Schools

7/10
Lake Elementary SchoolGrades K-50.8 mi
3/10
Madison Middle SchoolGrades 6-80.7 mi
6/10

Construction

Condition

  • Year built: 1984

Type & Style

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

Interior

Appliances

  • Laundry features: Inside,Laundry Room

Bathroom

  • Features: Jack and Jill Bath

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Cooling

  • Cooling features: Central Air,Dual,Heat Pump

Features

  • All Bedrooms Down,Jack and Jill Bath,Loft,Walk-In Closet(s)
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: 1 Common Wall

Interior Area

  • Total interior livable area: 1,952 sqft

Other

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 1693339200
  • Attached to another structure: Yes
  • Zoning: R-1
  • Special condition: Trust

Features

  • Levels: Two
  • Stories: 2
  • Entry location: ONE
  • Pool features: Community,Association
  • Has view: Yes
  • View description: Peek-A-Boo

Lot

  • Lot size: 4,796 sqft
  • Features: Back Yard,Cul-De-Sac,Level

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Wildfire

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 $6,118$73,416
Home Insurance *$216$2,592
Property Taxes $1,137$13,644
Electricity $418$5,022
Total$7,889$94,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$270,480/yr
40% on housing$236,670/yr
45% on housing$210,373/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

$620This listing

vs Other Active Listings

Avg $/sqft

ZIP 92056$411
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92056$535
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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$1,210,000
2026-08-01Listed for sale$1,210,000
2018-09-13Sold$608,500
2018-09-05Pending sale$669,900
2018-06-07Price change$669,900
2018-05-10Listed for sale$674,900
2018-03-09Pending sale$674,900
2018-02-24Price change$674,900
2017-12-07Price change$724,900
2017-11-09Listed for sale$750,000
2012-05-28Listing removed$425,000
2012-03-16Listed for sale$425,000

For Sale by Agent

AgentNancy Russian
BrokerageZayer & Assoc.

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