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7538 Gibraltar St APT D, Carlsbad, CA, 92009

3beds
2baths
1,339sqft
$749,000
$559price/sqft
$4,722/moest. monthly cost
$188,880/yrincome needed

About This Home

This beautiful home nestled behind La Costa Golf Course has ample space, tons of natural light, vaulted ceilings, high rent potential, and a lofty modern feel. It’s everything you’re looking for including a 2 car garage and a gated community. This 3-bedroom, 2-bath home (configured as 2 bedrooms plus a flexible office or optional bedroom) features large windows and an elevated position that fills the home with natural light while showcasing the lush greenery of La Costa and the Golfcrest community. The open concept kitchen and living spaces are on the top floor with soaring ceilings and windows that bring in all the natural light. Recent updates include brand new appliances, refreshed cabinetry, expanded counter space, and upgraded lighting. Just off the kitchen, the 3rd bedroom is the perfect space for a home office, creative studio, or additional bedroom. Enjoy your private balcony surrounded by leafy treetop views and partial glimpses of the golf course, an ideal spot for morning coffee or relaxing at the end of the day. On the main level you’ll find the primary bedroom with ensuite bath and a secondary bedroom and bath that are fully separated from the main living spaces, offering privacy and a quiet retreat. The home also includes a dedicated laundry room and an attached two-car garage with extra storage. Enjoy a well-maintained community centered around a gated, garden-style courtyard with mature landscaping, a pool, and a peaceful, resort-like atmosphere. Conveniently located just minutes from shopping, dining, golf, top resorts, and some of North County’s most beautiful beaches, and within the highly regarded Encinitas Union School District. Take this opportunity to enjoy relaxed coastal living in a sought-after North County neighborhood.

Getting Around

22
WalkingCar-Dependent
19
TransitMinimal Transit
13
BikeSomewhat Bikeable

Schools

7/10
Oak Crest Middle SchoolGrades 7-83.2 mi
9/10

Construction

Condition

  • Year built: 1975

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Washer
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Cooling

  • Cooling features: None

Features

  • Bedroom on Main Level,Main Level Primary,Primary Suite
  • Fireplace features: None
  • Common walls with other units/homes: 2+ Common Walls

Interior Area

  • Total interior livable area: 1,339 sqft

Property

Details

  • Parcel number: 2163002604
  • Attached to another structure: Yes
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Front Door
  • Pool features: Community,Association
  • Has view: Yes
  • View description: City Lights,Canyon,Park/Greenbelt,Golf Course,Hills,Meadow,Neighborhood

Lot

  • Lot size: 0.80 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
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 $3,787$45,444
Home Insurance *$119$1,428
Property Taxes $418$5,016
Electricity $398$4,786
Total$4,722$56,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,897/yr
40% on housing$141,660/yr
45% on housing$125,920/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

$559This listing

vs Other Active Listings

Avg $/sqft

ZIP 92009$582
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92009$696
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
2026-04-09Price change$799,000
2026-03-13Price change$805,000
2026-02-25Price change$810,000
2026-01-15Listed for sale$819,000
2021-10-18Listing removed--
2021-10-11Listed for rent$2,600
2013-02-15Listing removed$1,595
2013-02-11Listed for rent$1,595
2008-11-06Listing removed$264,800
2008-09-27Listed for sale$264,800
2008-08-21Sold$232,000
2002-01-24Sold$212,000
1998-01-15Sold$105,500

For Sale by Agent

AgentSarah Medley
BrokerageCompass

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