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1454 La Plaza Dr, San Marcos, CA, 92078

3beds
2baths
2,046sqft
$1,938,000
$947price/sqft
$12,445/moest. monthly cost
$497,800/yrincome needed

About This Home

Private "Single-Story" Retreat on a 1/4 Acre in Lake San Marcos!! Nestled on La Plaza Dr (the most desired street in Lake San Marcos) this beautifully upgraded single-story home offers a backyard that feels like a timeless paradise. Designed for both comfort and entertaining, the home features an inviting great-room living space with engineered wood flooring, custom lighting, built-ins, and a striking stacked-stone fireplace. The expansive kitchen centers around a large 4' x 10' island with abundant storage, Viking range top, stainless steel appliances, pot filler, subway tile backsplash, Viking wine cooler, full-extension pantry shelving, and a convenient office nook for everyday functionality. Quality craftsmanship is showcased throughout with custom solid-core doors, "Andersen" French doors with sidelights and disappearing screens, and thoughtful upgrades that enhance the home’s warmth and livability. Step outside to a private backyard paradise featuring flagstone pathways, lush mature landscaping, and a WOW waterfall feature that creates a tranquil setting for relaxing or entertaining. Car enthusiasts or hobbyists will appreciate the three-car garage, including an oversized third bay with 220 outlets, providing flexibility for a workshop, gym, or potential office conversion. Located just moments from the heart of Lake San Marcos, residents enjoy easy access to golf, dining, swimming, tennis, pickleball, and the many amenities that make this community so desirable. Spend your days enjoying sunsets, wildlife, boating parades, summer concerts, paddleboarding, kayaking, and fishing, all within this vibrant lakeside lifestyle community. FEATURES/UPGRADES INCLUDE: *Single Story Detached Home *Open Floor Plan *3 Car Garage *No HOA or Mello/Roos *Stunning & Private Backyard w/Incredible Waterfall & expansive Pergola *Flagstone walkways *Custom Oversized Shed with electrical & temp control fan *Dual Pane Windows *Solid Core Doors *50 gallon water heater w/recirculation pump *Newer 200 Amp electrical panel *Upgraded Insulation in Home & Garage *Recessed Lighting Throughout *Large easy to maintain 1/4 acre lot *Premier School District.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

10/10
7/10
San Elijo Middle SchoolGrades 6-81.4 mi
8/10
San Marcos High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1971

Type & Style

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

Interior

Appliances

  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,In Garage

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • All Bedrooms Down
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 2,046 sqft

Property

Details

  • Parcel number: 2223101300
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Entry location: 1
  • Pool features: None
  • Has view: Yes
  • View description: Mountain(s),Neighborhood

Lot

  • Lot size: 0.26 Acres
  • Features: 0-1 Unit/Acre,Back Yard,Garden,Lawn,Ranch,Sprinkler System,Yard

Parking

  • Total spaces: 3
  • Parking features: Garage - 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

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

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
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 $9,799$117,588
Home Insurance *$367$4,404
Property Taxes $1,841$22,092
Electricity $438$5,264
Total$12,445$149,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$426,685/yr
40% on housing$373,350/yr
45% on housing$331,866/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

$947This listing

vs Other Active Listings

Avg $/sqft

ZIP 92078$413
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92078$580
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
2026-03-12Listed for sale$1,938,000
2026-02-27Listing removed$2,190,000
2025-09-04Listed for sale$2,190,000
2004-05-28Sold$560,000

For Sale by Agent

AgentRobert Adams, HomeSmart Realty West, Linda Adams, HomeSmart Realty West
BrokerageHomeSmart Realty West

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