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10855 Camino Ruiz Unit 36, San Diego, CA, 92126

1beds
1baths
662sqft
$419,000
$633price/sqft
$3,013/moest. monthly cost
$120,520/yrincome needed

About This Home

Exceptional Value! The best Opportunity in Mira Mesa! LOW HOA! Ideally situated directly across the street from the new and up-and-coming $50 million Mira Mesa Community Center and Park, this beautifully remodeled and more living space than many comparable one-bedroom condos in the area and priced to sell. Located on the desirable second floor with no neighbors above. Fresh interior paint. The kitchen is equipped with stainless steel appliances, a brand-new microwave, while the spacious living area opens to a private balcony overlooking a peaceful, park-like greenbelt—an ideal setting to enjoy your morning coffee or unwind at the end of the day. Additional features include an assigned covered carport parking space, HOA dues that include water and trash, and a pet-friendly community. Residents also enjoy beautifully maintained grounds, a sparkling swimming pool, and a relaxing spa. Enjoy the convenience of being within walking distance of shopping, grocery stores, restaurants, banks, Starbucks, and everyday essentials, with quick access to major freeways and nearby employment centers. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this move-in-ready condominium delivers exceptional value in one of San Diego's most convenient and sought-after neighborhoods. With comparable condos in the community and nearby complexes priced as much as $20,000 higher, this home stands out as an outstanding value—offering more living space, an unbeatable location, and an attractive price that is designed to sell quickly. Opportunities like this are rare, so don't miss your chance to own one of the best values in Mira Mesa.

Getting Around

80
WalkingVery Walkable
31
TransitSome Transit
63
BikeBikeable

Schools

10/10
7/10
Wangenheim Middle SchoolGrades 6-81.2 mi
9/10
Mira Mesa High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1983

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Oven,Gas Range,Microwave,Refrigerator,Water Heater,Dryer,Washer
  • Laundry features: Common Area,Washer Hookup,Laundry Closet,Stacked

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Wall/Window Unit(s)

Features

  • All Bedrooms Up,Galley Kitchen
  • Fireplace features: None
  • Common walls with other units/homes: No One Above

Interior Area

  • Total interior livable area: 662 sqft

Kitchen

  • Features: Galley Kitchen

Property

Accessibility

  • Accessibility features: No Stairs,Parking

Details

  • Parcel number: 3111901736
  • 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: Park/Greenbelt

Lot

  • Lot size: 4.17 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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 $2,118$25,416
Home Insurance *$54$648
Property Taxes $443$5,316
Electricity $398$4,786
Total$3,013$36,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,302/yr
40% on housing$90,390/yr
45% on housing$80,346/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

$633This listing

vs Other Active Listings

Avg $/sqft

ZIP 92126$467
San Diego County$559

vs Homes Sold Last Month

Median $/sqft

ZIP 92126$665
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
2026-07-15Listed for sale$419,000
2018-02-15Sold$267,000
2018-01-09Listed for sale$250,000
2016-02-22Listing removed$1,200
2016-02-18Listed for rent$1,200
1994-11-09Sold$73,000

For Sale by Agent

AgentSandy Miller
BrokerageSandy Miller & Associates

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