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16731 Acena Dr, San Diego, CA, 92128

3beds
2baths
1,440sqft
$937,000
$651price/sqft
$6,254/moest. monthly cost
$250,160/yrincome needed

About This Home

MOVE-IN READY HOME in 55+ SEVEN OAKS COMMUNITY in Rancho Bernardo. Stunning 2 bedroom + den and 2 bath features light and bright open concept space located on a fully fenced CORNER LOT. Enjoy year round comfort with NEW HVAC system, NEW ROOF, NEW windows/doors, NEW LVP floors, New appliances... and many more upgrades. Front and back yard landscaped with low maintenance and plenty space for gardening. Master suite has direct access to backyard and a spa like en-suite featuring a large walk-in shower. IDEALLY LOCATED TO SHOPPING, DINING and just 5 minutes to the freeway. ALSO nearby GOLF COURSES, WINERY, FINE EATING RESTAURANTS and much more. This MOVE IN READY home offers a blend of style, convenience and comfort featuring indoor outdoor living perfect for entertaining. ALL THIS COMES WITH A LOW HOA of $47/month. Residents of Seven Oaks enjoy resort style amenities such as heated swimming pool, large clubhouse, fitness center, pickle ball courts, meeting/ recreation rooms, library and lots of activities.

Getting Around

73
WalkingVery Walkable
38
TransitSome Transit
36
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Year built: 1965

Materials

  • Roof: Shingle
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Gas Water Heater
  • Laundry features: Electric,Gas

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan,Kitchen Island,Recessed Lighting,Kitchen Open to Family Rm

Heating & Cooling

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

Interior Area

  • Total structure area: 1,440
  • Total interior livable area: 1,440 sqft

Property

Details

  • Parcel number: 2744500500

Features

  • Levels: 1 Story
  • Stories: 1
  • Pool features: Community/Common
  • Patio & porch: Patio,Porch - Front
  • Fencing: Full,Vinyl

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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

  • 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 $4,737$56,844
Home Insurance *$174$2,088
Property Taxes $945$11,340
Electricity $398$4,786
Total$6,254$75,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$214,422/yr
40% on housing$187,620/yr
45% on housing$166,773/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

$651This listing

vs Other Active Listings

Avg $/sqft

ZIP 92128$478
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
2026-05-05Listed for sale$937,000
2026-05-05Listing removed$939,000
2026-04-09Price change$939,000
2025-10-04Listed for sale$949,000
2024-10-12Listing removed$4,800
2024-09-27Listed for rent$4,800
2023-05-11Listing removed--
2023-05-06Listed for sale$949,000
2023-05-06Listing removed--
2023-01-06Listed for sale$949,000
2022-09-18Listing removed--
2022-09-18Listed for sale$995,000

For Sale by Agent

AgentSorayda C Martinez
BrokerageHomeSmart Realty West

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