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17439 Plaza Otonal, San Diego, CA, 92128

3beds
2baths
1,431sqft
$609,000
$426price/sqft
$3,990/moest. monthly cost
$159,600/yrincome needed

About This Home

Tucked among lush, mature greenery with peaceful sunset views, this home offers a rare sense of privacy and tranquility — a retreat that feels worlds away, yet keeps you close to everything Rancho Bernardo has to offer. This 2 bed, 2 bath, 1,431 esf home with a versatile den/office is nestled in the desirable 55+ Oaks North 2 community, offering standout features that set it apart from the rest. Thoughtful recent updates include LVP and tile flooring, stainless steel appliances, recessed lighting, ceiling fans, updated bathroom cabinetry with granite countertops, brushed nickel hardware, an owned water filtration system, and wood shutters throughout. The refrigerator, washer, dryer, and Murphy bed all convey — making this home truly move-in ready. Step inside through a formal entry with a convenient coat closet, setting a warm and welcoming tone from the moment you arrive. The open living and dining areas are anchored by a cozy gas fireplace and flow effortlessly out to the patio, blending indoor comfort with outdoor beauty — surrounded by mature trees and seasonal blooms that change with the year. The kitchen has natural light from a window overlooking the front porch. It features ample white cabinets with brushed nickel hardware and newer stainless steel appliances including a refrigerator, built-in microwave, dishwasher, and flat electric cooktop with oven. Both bedrooms and the den are positioned at the rear of the home, so you can take in the scenic views from nearly every living space. Mirrored wardrobe closets add style and function to both bedrooms, while the primary suite goes further with two mirrored closets, a walk-in tiled shower, and a separate privacy door for the shower and toilet area. Both bathrooms are finished with large tri-view mirrored medicine cabinets — doubling as vanity mirrors and generous hidden storage. The secondary bath features a tub-and-shower combo with tiled walls, a glass enclosure, and matching upgraded finishes. A hallway laundry closet keeps the side-by-side washer and dryer tucked away with extra storage close at hand. Outside, the spacious front porch combines outdoor carpet and artificial turf for flexible living space — perfect for dining, entertaining, or simply relaxing in the fresh air. A rare bonus: this home includes a 7' fenced front patio, a feature not found elsewhere in the community. Additional perks include a detached one-car garage just outside the unit (not all units come with one), the option to rent nearby storage, and central heating and air conditioning. This is a first-floor unit, reached via 6 steps down from the front gated entry to the front door. Residents enjoy access to the Oaks North Community Center with amenities including a pool and spa, fitness center, tennis and pickleball courts, lawn bowling, creative studios, library, card rooms, and community gathering spaces. Conveniently located near Oaks North Golf Course and Bernardo Winery, with nearby dining, shopping, and local events.

Getting Around

48
WalkingCar-Dependent
0
TransitNo Nearby Transit
12
BikeSomewhat Bikeable

Schools

7/10
8/10
9/10

Construction

Condition

  • Year built: 1978

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Washer
  • Laundry features: Inside,Laundry Closet

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: 1 Common Wall

Interior Area

  • Total interior livable area: 1,431 sqft

Property

Details

  • Parcel number: 2737501304
  • Attached to another structure: Yes
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: first floor
  • Pool features: Community,In Ground,See Remarks,Association
  • Has view: Yes
  • View description: Mountain(s),Neighborhood

Lot

  • Lot size: 3.96 sqft

Parking

  • Total spaces: 1
  • Parking features: See Remarks
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
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 $3,079$36,948
Home Insurance *$113$1,356
Property Taxes $400$4,800
Electricity $398$4,786
Total$3,990$47,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,800/yr
40% on housing$119,700/yr
45% on housing$106,400/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

$426This listing

vs Other Active Listings

Avg $/sqft

ZIP 92128$479
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92128$632
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
2026-08-05Price change$599,000
2026-08-01Price change$609,000
2026-07-13Price change$619,000
2026-06-29Price change$645,000
2026-06-10Price change$659,000
2026-05-20Listed for sale$675,000
2025-09-19Listing removed$675,000
2025-01-09Listed for sale$675,000
2024-12-16Listing removed$675,000
2024-11-06Listed for sale$675,000
2022-07-25Sold$575,000
2022-05-23Pending sale$599,000
2022-05-12Price change$599,000
2022-05-05Price change$625,000
2022-04-20Listed for sale$645,000
1995-05-02Sold$124,500

For Sale by Agent

AgentMike Haas
BrokerageAARE

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