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45562 La Cruz Dr, Temecula, CA, 92590

4beds
4baths
3,162sqft
$1,279,500
$405price/sqft
$8,820/moest. monthly cost
$352,800/yrincome needed

About This Home

Gated Privacy Meets Low-Maintenance Luxury in De Luz. Experience the prestige of a 5.12-acre estate without the time-consuming maintenance of a large property. This modern farmhouse has influences of a California ranch as this sanctuary uses its natural hillside topography as a “privacy fortress”, providing a lush backdrop and permanent seclusion while you enjoy the beautifully developed, flat living spaces surrounding the home. PROPERTY HIGHLIGHTS: • PAID-IN-FULL-SOLAR: High efficiency system reduces soaring utility costs. • ADU POTENTIAL: Zoned R-A-5 with a designated area perfect for a detached guest house, casita, or rental unit. • PURE WATER: Whole-house reverse osmosis system for pristine water quality. • ACTIVE LIVING: Professional-grade sport court (Pickleball/Basketball) and wrap-around porch. • Added Bonus: De Luz boasts some of the lowest taxes in Riverside County.

Getting Around

2
WalkingCar-Dependent
0
TransitNo Nearby Transit
0
BikeNot Bike Friendly

Schools

7/10
Thompson Middle SchoolGrades 6-85.7 mi
8/10

Construction

Condition

  • Year built: 2005

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Electric Oven,Gas Cooktop,Microwave,Refrigerator,Water Purifier
  • Laundry features: Washer Hookup,Inside,Laundry Room

Bathroom

  • Features: Jack and Jill Bath

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Bedroom on Main Level,Jack and Jill Bath
  • Fireplace features: Living Room,Primary Bedroom,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Central Air,Dual,Electric

Interior Area

  • Total interior livable area: 3,162 sqft

Property

Details

  • Parcel number: 936260013
  • Zoning: RA5
  • Special condition: Standard
  • Exclusions: 2 Water Fountains outside,Starlink Internet and Tesla charging station will Not Convey

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Concrete,Front Porch,Open,Patio,Porch,Wrap Around
  • Has view: Yes
  • View description: Hills,Orchard

Lot

  • Lot size: 5.12 Acres
  • Features: Lot Over 40000 Sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - 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

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Wildfire
Heat Wave
Landslide
Tornado

FEMA Declared Disasters in Riverside County and California

Earthquake
Fire
Flood
Hurricane
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 $6,469$77,628
Home Insurance *$313$3,756
Property Taxes $1,360$16,320
Electricity $678$8,136
Total$8,820$105,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$302,400/yr
40% on housing$264,600/yr
45% on housing$235,200/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$405This listing

vs Other Active Listings

Avg $/sqft

ZIP 92590$472
Riverside County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 92590$408
Riverside County$315

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
2026-05-04Price change$1,369,995
2025-06-23Price change$1,395,000
2025-03-05Price change$1,449,000
2024-11-20Listed for sale$1,495,000
2024-03-16Listing removed$1,495,000
2024-02-22Listed for sale$1,495,000
2021-06-02Sold$1,050,000
2020-09-18Sold$855,000
2020-08-29Pending sale$875,000
2020-08-20Listed for sale$875,000
2019-09-01Listing removed$889,000
2019-06-08Price change$889,000
2019-03-07Listed for sale$899,000
2019-01-24Listing removed$927,750
2018-11-16Price change$927,750
2018-09-25Price change$955,000
2018-09-15Listed for sale$965,000
2018-09-02Pending sale$965,000
2018-08-17Listed for sale$965,000
2010-06-07Sold$515,000
2010-04-19Price change$539,999
2010-03-29Price change$559,999
2010-03-18Price change$589,999
2010-03-01Listed for sale$650,000
2009-11-12Sold$883,169
2005-08-05Sold$1,100,000

For Sale by Agent

AgentRenata Malek
BrokerageHomeSmart Realty West

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