17539 Cumana Ter, San Diego, CA, 92128
About This Home
Welcome to 17539 Cumana Terrace, a beautifully refreshed single-level residence in the highly sought-after Oaks North 55+ community of Rancho Bernardo. Ideally located just half a block from the historic Bernardo Winery, this home offers an exceptional blend of modern comfort, convenience, and lifestyle in one of North County San Diego’s most established golf course communities. Thoughtfully updated and move-in ready, the home features fresh interior paint, stylish new flooring, newly painted cabinetry, updated ceiling fans, and a bright, inviting floor plan. Major recent improvements add tremendous long-term value and peace of mind, including a brand new HVAC system installed in Nov 2025 and new roofing underlayment completed in 2026 beneath the tile roof, a significant upgrade rarely found. The location is truly special, with Bernardo Winery just steps away for easy access to wine tasting, dining, live entertainment, artisan shops, farmers markets, and year-round community events. Residents also enjoy access to an impressive collection of recreational amenities, including a clubhouse, swimming pool, fitness center, tennis and pickleball courts, hobby rooms, game rooms, social clubs, and the nearby Oaks North Golf Course. This is an outstanding opportunity to enjoy low-maintenance living, thoughtful upgrades, and one of Rancho Bernardo’s most desirable lifestyle-oriented communities. Welcome to 17539 Cumana Terrace, a beautifully refreshed single-level residence in the highly sought-after Oaks North 55+ community of Rancho Bernardo. Ideally located just half a block from the historic Bernardo Winery, this home offers an exceptional blend of modern comfort, convenience, and lifestyle in one of North County San Diego’s most established golf course communities. Thoughtfully updated and move-in ready, the home features fresh interior paint, stylish new flooring, newly painted cabinetry, updated ceiling fans, and a bright, inviting floor plan. Major recent improvements add tremendous long-term value and peace of mind, including a brand new HVAC system installed in Nov 2025 and new roofing underlayment completed in 2026 beneath the tile roof, a significant upgrade rarely found. The location is truly special, with Bernardo Winery just steps away for easy access to wine tasting, dining, live entertainment, artisan shops, farmers markets, and year-round community events. Residents also enjoy access to an impressive collection of recreational amenities, including a clubhouse, swimming pool, fitness center, tennis and pickleball courts, hobby rooms, game rooms, social clubs, and the nearby Oaks North Golf Course. This is an outstanding opportunity to enjoy low-maintenance living, thoughtful upgrades, and one of Rancho Bernardo’s most desirable lifestyle-oriented communities.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1981
Materials
- Roof: Tile/Clay
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Refrigerator,Washer
- Laundry features: Electric
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: 1,350
- Total interior livable area: 1,350 sqft
Property
Details
- Parcel number: 2725603200
Features
- Levels: 1 Story
- Pool features: Community/Common
- Fencing: Partial
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
- Earthquake
- Heat Wave
- Inland Flooding
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in San Diego County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,157 | $61,884 |
| Home Insurance * | $190 | $2,280 |
| Property Taxes | $1,108 | $13,296 |
| Electricity | $398 | $4,786 |
| Total | $6,853 | $82,236 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-01 | Price change | $1,020,000 |
| 2026-05-21 | Listed for sale | $1,080,000 |
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