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12023 Alta Carmel Ct Unit 253, San Diego, CA, 92128

1beds
1baths
704sqft
$440,000
$625price/sqft
$3,117/moest. monthly cost
$124,680/yrincome needed

About This Home

**NEWLY RENOVATED**Tucked into the heart of Carmel Mountain Ranch, this beautifully updated one bedroom/one bathroom condo sits inside the desirable iL Palio community, just one easy flight of stairs up from the ground level. It's a low-maintenance find for a first-time buyer, investor, or busy professional looking to cut their commute to nearby Rancho Bernardo employers.The kitchen and bathroom have been fully renovated, with brand new LVP flooring and fresh paint throughout. This home is fully move-in ready. You'll also find a gas cooktop, dishwasher, in-unit laundry hookups, central air, and high-efficiency natural gas heat. A private, fenced patio gives you your own outdoor space to relax. As a resident, you'll have access to resort-style amenities including a pool, hot tub, sauna, fitness center, tennis and racquetball courts, basketball courts, and BBQ areas, all just steps from your door. You're minutes from Costco and Westfield North County shopping, with quick access to I-15 and parks nearby. Zoned for the award-winning Poway Unified School District. Come see it for yourself!

Getting Around

50
WalkingCar-Dependent
27
TransitSome Transit
36
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Year built: 2006

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Cooling

  • Cooling features: Central Air

Features

  • Fireplace features: None
  • Common walls with other units/homes: 2+ Common Walls

Interior Area

  • Total interior livable area: 704 sqft

Property

Details

  • Parcel number: 3130212011
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front Door
  • Pool features: Community,Association
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 15.08 Acres

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
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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 $2,224$26,688
Home Insurance *$81$972
Property Taxes $414$4,968
Electricity $398$4,786
Total$3,117$37,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,868/yr
40% on housing$93,510/yr
45% on housing$83,120/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

$625This 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
2026-07-15Listed for sale$440,000
2026-04-30Listing removed$465,000
2026-02-11Listed for sale$465,000

For Sale by Agent

AgentKathryn Sirp
BrokerageeXp Realty of California, Inc.

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