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2198 Vista La Nisa, Carlsbad, CA, 92009

5beds
5baths
3,328sqft
$2,550,000
$766price/sqft
$16,502/moest. monthly cost
$660,080/yrincome needed

About This Home

Set on one of La Costa Valley’s premier view lots, 2198 Vista La Nisa is tucked along a quiet street just steps from a neighborhood park. This spacious five-bedroom plus office, four-and-a-half-bath residence offers sweeping views of Batiquitos Lagoon, exceptional privacy, and quality craftsmanship throughout. Warm hardwood floors flow through the main living areas, complemented by natural wood cabinetry and custom plantation shutters. The well-appointed kitchen features a built-in refrigerator and dual ovens, creating a functional space for both everyday living and entertaining. The versatile main level includes a private bedroom suite and a separate office or den. Upstairs, the primary suite captures panoramic lagoon views and features a generously sized bathroom and walk-in closet. Three additional bedrooms complete the upper level, including two connected by a Jack-and-Jill bathroom. Outdoors, a private landscaped courtyard with a custom fountain offers a welcoming retreat, while the rear patio features an outdoor fireplace and endless views. La Costa Valley’s resort-style amenities include a heated pool, spa, sauna, tennis courts, fitness facility, clubhouse, playground, barbecue areas, and dedicated RV and boat parking. A full-time recreation director coordinates community activities throughout the year.

Getting Around

17
WalkingCar-Dependent
26
TransitSome Transit
15
BikeSomewhat Bikeable

Schools

7/10
Oak Crest Middle SchoolGrades 7-82.5 mi
9/10

Construction

Condition

  • Year built: 1999

Materials

  • Roof: Tile
  • 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,Double Oven,Electric Oven,Gas Range
  • Laundry features: Electric,Gas,Other/Remarks

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

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

Heating & Cooling

  • Heating features: Zoned Areas,Forced Air Unit
  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 3,328
  • Total interior livable area: 3,328 sqft

Property

Details

  • Parcel number: 2552622400

Features

  • Levels: 2 Story
  • Stories: 2
  • Pool features: Community/Common
  • Spa features: Community/Common
  • Fencing: Full
  • Has view: Yes
  • View description: Lagoon/Estuary,Panoramic

Parking

  • Total spaces: 4
  • Parking features: 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 $12,894$154,728
Home Insurance *$405$4,860
Property Taxes $2,490$29,880
Electricity $713$8,563
Total$16,502$198,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$565,782/yr
40% on housing$495,060/yr
45% on housing$440,053/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

$766This listing

vs Other Active Listings

Avg $/sqft

ZIP 92009$576
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
2026-07-29Listed for sale$2,550,000
2004-08-04Sold$1,048,000
1999-02-26Sold$569,500

For Sale by Agent

AgentKelli T Miller
BrokerageCompass

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