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354 Rancho Camino, Fallbrook, CA, 92028

6beds
7baths
5,787sqft
$1,699,000
$294price/sqft
$11,837/moest. monthly cost
$473,480/yrincome needed

About This Home

***HUGE PRICE REDUCTION!! Don't miss out on this exceptional estate nestled on over an acre in the rolling hills of Fallbrook. Offering nearly 5,800 square feet of living space, this private retreat seamlessly blends luxury, comfort, and resort-style living. Designed for both grand entertaining and everyday enjoyment, the residence features six spacious bedrooms, six bathrooms, and an impressive layout filled with distinctive custom details. From cedar-lined closets and granite countertops throughout to a sauna in the primary suite, central vacuum system, whole-house circulator, dual balconies, and multiple gathering spaces, every element was thoughtfully designed with comfort and convenience in mind. The heart of the home opens to an expansive backyard oasis where you'll find a beautifully renovated pool and spa, mature palm trees, assorted fruit trees, outdoor shower, built-in barbecue, and multiple spaces to relax or entertain. Whether hosting large gatherings or enjoying a quiet afternoon poolside, the setting delivers the ultimate Southern California lifestyle. Adding even more versatility, the detached pool house includes its own kitchen and bathroom and offers excellent potential for guests, multigenerational living, a private retreat, or supplemental income. For those who appreciate unique features, the home also includes a hidden closet complete with two locking safes. Extensive improvements completed in 2023 provide peace of mind and modern appeal, including new HVAC systems, updated flooring throughout, fresh interior paint, new sliding glass doors, pool resurfacing and tile replacement, updated pool equipment, roof maintenance on both structures, septic servicing, gate and fence improvements, and numerous additional enhancements. Fully fenced for privacy and equipped with owned solar, central heating and air conditioning, and countless upgrades throughout, this remarkable Fallbrook estate offers the perfect balance of elegance, functionality, and resort-inspired living. If you've been searching for a property that feels like a year-round vacation, 354 Rancho Camino is ready to exceed expectations.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

6/10
Fallbrook High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1996

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Features

  • Built-in Features,Balcony,Ceiling Fan(s),Central Vacuum,Multiple Staircases,Entrance Foyer
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 5,787 sqft

Property

Details

  • Parcel number: 1234107700
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: front street level
  • Private pool: Yes
  • Pool features: Fenced,In Ground,Private
  • Has view: Yes
  • View description: Hills

Lot

  • Lot size: 1.18 Acres
  • Features: Back Yard,Lot Over 40000 Sqft,Rectangular Lot

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

  • Wildfire
    WildfireVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Earthquake
Heat Wave
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 $8,591$103,092
Home Insurance *$481$5,772
Property Taxes $1,525$18,300
Electricity $1,240$14,891
Total$11,837$142,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$405,840/yr
40% on housing$355,110/yr
45% on housing$315,653/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

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 92028$406
San Diego County$559

vs Homes Sold Last Month

Median $/sqft

ZIP 92028$417
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
2026-08-08Price change$1,599,000
2026-06-23Listed for sale$1,699,000
2010-04-21Sold$580,000
1993-09-08Sold$92,500

For Sale by Agent

AgentLisa Parker
BrokerageIntegrity Real Estate and Mort

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