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1686 Hermosita Dr, San Marcos, CA, 92078

2beds
2baths
1,640sqft
$995,000
$607price/sqft
$6,571/moest. monthly cost
$262,840/yrincome needed

About This Home

Discover your sanctuary nestled in the highly sought-after all-ages Fairways at Lake San Marcos community. This charming single-level home offers the perfect blend of tranquility and convenience. If you are seeking a property that creates lasting memories, this 2-bedroom, 2-bath gem with 1,640 sq. ft., built in 1990 is for you! The bright kitchen is adjacent a generous dining area bathed in natural light. The bonus room can easily be converted to a 3rd bedroom. Just minutes from Lake San Marcos, top-rated schools, parks, and North County's vibrant dining and shopping scenes.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

10/10
7/10
San Elijo Middle SchoolGrades 6-81.7 mi
8/10
San Marcos High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1990

Materials

  • Roof: Tile/Clay
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Garage Door Opener,Microwave,Range/Oven,Refrigerator,Gas Water Heater
  • Laundry features: Electric,Gas,Washer Hookup,Gas & Electric Dryer HU

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace features: FP in Living Room

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 1,640
  • Total interior livable area: 1,640 sqft

Property

Details

  • Parcel number: 2224823900

Features

  • Levels: 1 Story
  • Pool features: Community/Common
  • Patio & porch: Slab,Patio
  • Fencing: Full,Gate
  • Has view: Yes
  • View description: Mountains/Hills,Parklike

Parking

  • Total spaces: 2
  • Parking features: Attached,Direct Garage Access,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

  • Inland Flooding
    Inland FloodingVery 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 $5,031$60,372
Home Insurance *$188$2,256
Property Taxes $954$11,448
Electricity $398$4,786
Total$6,571$78,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$225,291/yr
40% on housing$197,130/yr
45% on housing$175,226/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

$607This listing

vs Other Active Listings

Avg $/sqft

ZIP 92078$418
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
2026-08-15Pending sale$929,000
2026-08-12Price change$929,000
2026-07-09Listed for sale$995,000
2026-07-01Pending sale$995,000
2026-06-25Listed for sale$995,000
2008-07-11Sold$507,500
2004-10-22Sold$496,000
2001-04-30Sold$297,500
1994-05-05Sold$5,000

For Sale by Agent

AgentKevin DeCew
BrokerageDeCew Realty

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