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16620 San Salvador Ct, San Diego, CA, 92128

3beds
2baths
1,726sqft
$950,000
$550price/sqft
$6,353/moest. monthly cost
$254,120/yrincome needed

About This Home

Welcome to easy living in the Seven Oaks 55+ community of Rancho Bernardo! Nestled at the end of a quiet cul-de-sac, this inviting single story home offers a wonderful blend of comfort, convenience, and the active Southern California lifestyle you've been looking for. Step inside to discover a bright and spacious floor plan featuring a spacious living room with a cozy fireplace that flows seamlessly into the dining area—perfect for everyday living and entertaining alike. The kitchen offers ample storage including built-in cabinetry in the breakfast nook, a peninsula with bar seating, pendant lighting, and plenty of workspace. Large windows and recessed lighting fill the room with natural light, creating a warm and welcoming atmosphere. The living room opens to a spacious covered patio and low-maintenance backyard, providing the perfect setting to relax, entertain, or enjoy San Diego's beautiful year-round weather. Mature citrus trees and attractive landscaping add to the outdoor charm. Additional highlights include an attached two-car garage and an exceptional location within close proximity of shopping, dining, healthcare providers, financial services, the post office, and other daily conveniences. Residents of Seven Oaks enjoy access to an impressive array of resort-style amenities, including a clubhouse, swimming pool, spa, library, hobby and craft rooms, sports courts, social clubs, classes, and a full calendar of activities designed to keep you active, engaged, and connected. Experience the comfort, convenience, and vibrant lifestyle that make Seven Oaks one of Rancho Bernardo's most desirable 55+ communities.

Getting Around

35
WalkingCar-Dependent
32
TransitSome Transit
35
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Other/Remarks
  • Construction materials: Wood/Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal
  • Laundry features: Other/Remarks

Bedrooms & Bathrooms

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

Features

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

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Attic Fan

Interior Area

  • Total structure area: 1,726
  • Total interior livable area: 1,726 sqft

Property

Details

  • Parcel number: 2746102800

Features

  • Levels: 1 Story
  • Pool features: Community/Common
  • Fencing: Other/Remarks

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 $4,803$57,636
Home Insurance *$176$2,112
Property Taxes $976$11,712
Electricity $398$4,786
Total$6,353$76,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$217,817/yr
40% on housing$190,590/yr
45% on housing$169,413/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

$550This 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
2026-08-17Price change$920,000
2026-06-26Listed for sale$950,000
2003-07-25Sold$384,500
2001-07-23Sold$295,000

For Sale by Agent

AgentJonathon E Shea
BrokerageCompass

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