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16555 Caminito Vecinos Unit 39, San Diego, CA, 92128

2beds
2baths
1,368sqft
$535,000
$391price/sqft
$3,700/moest. monthly cost
$148,000/yrincome needed

About This Home

Welcome to the highly sought after Seven Oaks 55+ community in Rancho Bernardo, where comfort, convenience, and an active lifestyle come together. This charming single story corner home offers 2 bedrooms, 2 bathrooms, and a versatile bonus room (220 sq ft) that can easily serve as a home office, hobby room, den, or guest space. Designed for easy, low maintenance living, the home features a private front courtyard—perfect for enjoying your morning coffee or relaxing with friends in the evening. The desirable corner location provides added privacy, abundant natural light, and convenient access to ample guest parking. This well maintained home includes a newer HVAC system and newer water heater, offering peace of mind for years to come. Additional highlights include a covered carport and a dedicated golf cart/storage garage. Residents of Seven Oaks enjoy resort-style amenities at the Seven Oaks community center, including a heated pool and spa, fitness center, clubhouse, tennis and pickleball courts, social clubs, and a full calendar of activities and events. Whether you're looking to downsize or simply enjoy the vibrant Rancho Bernardo lifestyle, this inviting home offers the perfect blend of comfort, community, and convenience in one of San Diego's most desirable 55+ neighborhoods. There have been over 45k in upgrades put into this wonderful property including; fresh paint, newer carpeting, Bradford white water heater, Kholer and Toto water fixtures, quiet bath ventilation, whole house fan, refinished ceilings (no popcorn ceilings)refinished cabinetry in both kitchen and bath, six dual pane windows tinted for daytime privacy, new GAF roofs installed by HOA in 2023, new electrical panel in primary bed - for full list provided by seller please see the attached docs

Getting Around

38
WalkingCar-Dependent
24
TransitMinimal Transit
46
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Year built: 1971

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Laundry features: See Remarks

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Fireplace features: None
  • Common walls with other units/homes: 1 Common Wall

Interior Area

  • Total interior livable area: 1,368 sqft

Property

Details

  • Parcel number: 2747700539
  • Attached to another structure: Yes
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: Community,Association
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 8.66 Acres

Parking

  • Total spaces: 1
  • Parking features: Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport 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

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

How This Home’s Risks Compare

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 $2,705$32,460
Home Insurance *$99$1,188
Property Taxes $498$5,976
Electricity $398$4,786
Total$3,700$44,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,857/yr
40% on housing$111,000/yr
45% on housing$98,666/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

$391This listing

vs Other Active Listings

Avg $/sqft

ZIP 92128$480
San Diego County$559

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
2026-08-03Price change$535,000
2026-07-02Listed for sale$545,000
2026-05-07Listing removed$550,000
2026-04-01Listed for sale$550,000
2026-04-01Listing removed$559,000
2026-02-17Price change$559,000
2026-01-06Listed for sale$575,000
2025-11-25Listing removed$575,000
2025-10-16Price change$575,000
2025-09-04Price change$599,999
2025-06-07Price change$619,000
2025-05-18Price change$625,000
2025-04-30Price change$629,000
2025-04-01Price change$639,000
2024-12-19Listed for sale$649,000
2008-06-24Sold$243,000

For Sale by Agent

AgentJanet Flores
BrokerageReal Broker

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