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2131 Acara Cir, San Diego, CA, 92154

4beds
4baths
1,767sqft
$715,000
$405price/sqft
$5,109/moest. monthly cost
$204,360/yrincome needed

About This Home

Welcome to this stunning contemporary townhome in the highly desirable Willow at Epoca community of Otay Mesa. Built in 2023, this beautifully designed three-story residence offers approximately 1,767 square feet of modern living space with 4 bedrooms, 3.5 bathrooms, and a flexible floor plan ideal for today's lifestyle. Featuring an open-concept design, the spacious living room and dining area have new hardwood laminated flooring and a gourmet kitchen, complete with quartz countertops, stainless steel appliances, abundant cabinetry, pantry, and oversized center island with sink perfect for entertaining. The versatile first level includes a private office, den, or flex space ideal for remote work or multi-generational living. Upstairs, the luxurious primary suite offers a walk-in closet and spa-inspired bath, while additional bedrooms provide comfort and privacy for family and guests. Enjoy natural light throughout, energy-efficient dual-pane windows, owned solar, central A/C, an EV charger, an attached two-car garage, and a private balcony for relaxing mornings or sunsets. Conveniently located near major freeways, shopping, dining, schools, employment centers, the U.S/Mexico border, and just a short drive to Imperial Beach, Silver Strand, and other South Bay attractions. Experience modern San Diego living at its finest in one of the area's fastest-growing communities.

Getting Around

9
WalkingCar-Dependent
15
TransitMinimal Transit
26
BikeSomewhat Bikeable

Schools

8/10
Ocean View Hills SchoolGrades K-52.2 mi
6/10
4/10
San Ysidro High SchoolGrades 9-121.6 mi

Construction

Condition

  • Property condition: Repairs Cosmetic
  • Year built: 2023

Materials

  • Foundation: Concrete Perimeter
  • Roof: Rolled/Hot Mop
  • Construction materials: Stucco

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Freezer,Disposal,Gas Range,Ice Maker,Microwave,Refrigerator,Vented Exhaust Fan
  • Laundry features: Laundry Closet

Bathroom

  • Features: Bathroom Exhaust Fan,Dual Sinks,Quartz Counters,Tub Shower

Bedrooms & Bathrooms

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

Features

  • Balcony,Quartz Counters,Unfurnished,Primary Suite,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Fireplace features: None
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,767 sqft

Master Bedroom

  • Features: Primary Suite

Other

  • Features: Walk-In Closet(s)

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 6461033253
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: 1
  • Pool features: None
  • Patio & porch: None
  • Spa features: None
  • Fencing: None
  • Has view: Yes
  • View description: Peek-A-Boo

Lot

  • Lot size: 5.79 Acres
  • Features: Walkstreet

Parking

  • Total spaces: 4
  • Parking features: Door-Single,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport 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
    EarthquakeRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Wildfire
Heat Wave
Inland Flooding
Landslide

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 $3,615$43,380
Home Insurance *$127$1,524
Property Taxes $969$11,628
Electricity $398$4,786
Total$5,109$61,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,165/yr
40% on housing$153,270/yr
45% on housing$136,240/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

$405This listing

vs Other Active Listings

Avg $/sqft

ZIP 92154$365
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92154$499
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
2026-06-02Listed for sale$715,000
2025-04-24Listing removed$4,099
2025-04-08Price change$4,099
2025-03-24Price change$4,199
2025-03-12Listed for rent$4,300
2024-01-02Listing removed--
2023-12-19Listed for rent$4,100
2023-12-09Listing removed--
2023-10-26Price change$4,200
2023-10-20Listed for rent$4,495
2023-09-29Sold$618,668
2023-06-01Pending sale$605,900
2023-05-25Listed for sale$605,900

For Sale by Agent

AgentKeila Ponce-Buenrostro
BrokerageLuxury Realty Partners

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