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3195 W Club Cir, Borrego Springs, CA, 92004

2beds
2baths
1,008sqft
$260,000
$258price/sqft
$2,079/moest. monthly cost
$83,160/yrincome needed

About This Home

Exceptional Mid-Century inspired remodel—absolutely stunning from every angle. This beautifully updated end unit captures sweeping views of the mountains and lush greenbelt, creating a serene backdrop for everyday living. Offered fully furnished, so you can start enjoying it from day one. Featuring 2 bedrooms and 2 bathrooms, the home has been completely renovated from top to bottom, blending modern comfort with timeless Mid-Century character. Multiple inviting patio areas extend your living space outdoors, ideal for relaxing or entertaining. A truly turnkey property showcasing thoughtful design, fresh finishes, and an effortless indoor-outdoor flow

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
5/10

Construction

Condition

  • Year built: 1980

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Disposal,Microwave,Refrigerator,Dryer,Washer
  • Laundry features: Inside,Stacked

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

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

Features

  • All Bedrooms Down
  • Fireplace features: None
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,008 sqft

Property

Details

  • Parcel number: 1994101392
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: level 1
  • Pool features: Fenced,Filtered,Gunite,In Ground,Association
  • Has view: Yes
  • View description: Park/Greenbelt,Mountain(s),Neighborhood

Parking

  • Total spaces: 2
  • Parking features: Assigned,Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Landslide
    LandslideRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Wildfire
Landslide
Heat Wave

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 $1,314$15,768
Home Insurance *$123$1,476
Property Taxes $244$2,928
Electricity $398$4,786
Total$2,079$24,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,280/yr
40% on housing$62,370/yr
45% on housing$55,440/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

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 92004$185
San Diego County$559

vs Homes Sold Last Month

Median $/sqft

ZIP 92004$243
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
2026-04-05Listed for sale$260,000
2025-02-26Sold$127,500
2022-08-26Listing removed--
2022-06-26Listed for sale$170,000
2018-05-15Sold$89,000
2018-04-26Listed for sale$95,000
2018-04-26Listing removed$1,100
2018-02-17Listed for rent$1,100
2017-03-30Sold$85,000
2014-05-19Sold$35,000
2014-04-08Price change$40,000
2014-03-02Listed for sale$45,000

For Sale by Agent

AgentDebbie Maronto
BrokerageRealty OC Inc

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