4470 Garnet Ln, Oceanside, CA, 92056
About This Home
Welcome to Emerald Lake Village, one of Oceanside's most sought-after gated 55+ communities, known for its charming Cape Cod-style homes, beautifully maintained grounds, and vibrant active lifestyle. This desirable single-level residence offers 2 bedrooms, 2 bathrooms, plus a versatile bonus room that's perfect for a home office, craft room, or reading retreat. It is situated on a quiet, private corner lot, and showcases pride of ownership throughout. Additional features include newer exterior paint, newer appliances, and PAID SOLAR for exceptional energy savings. Step outside to a relaxing patio, ideal for enjoying Oceanside's year-round mild climate and refreshing coastal breezes. Just seven miles from the beach, Emerald Lake Village offers an unbeatable lifestyle with a beautifully appointed clubhouse, swimming pool, spa, library, billiards room, card room, walking paths, greenbelts, RV parking, and an active social calendar with events and activities throughout the week. Low HOA dues are an added bonus. Don't miss this opportunity to enjoy resort-style living in one of North County's most welcoming and established active adult communities.
Getting Around
Car-Dependent
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Roof: Shingle
- Construction materials: Other/Remarks
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Garage Door Opener,Range/Oven
- Laundry features: Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Number of fireplaces: 1
- Fireplace features: FP in Living Room
Heating & Cooling
- Heating features: Forced Air Unit
- Cooling features: Central Forced Air
Interior Area
- Total structure area: 1,467
- Total interior livable area: 1,467 sqft
Property
Details
- Parcel number: 1682712600
- Zoning: R-1:SINGLE
- Zoning description: R-1:SINGLE
Features
- Levels: 1 Story
- Pool features: Community/Common
- Fencing: Full
Lot
- Lot size: 4,356 sqft
Parking
- Total spaces: 2
- Parking features: 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
- Heat Wave
- Inland Flooding
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in San Diego County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,716 | $44,592 |
| Home Insurance * | $131 | $1,572 |
| Property Taxes | $699 | $8,388 |
| Electricity | $398 | $4,786 |
| Total | $4,944 | $59,328 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-13 | Listed for sale | $735,000 |
| 2024-06-21 | Sold | $680,000 |
| 2024-06-05 | Pending sale | $655,000 |
| 2024-05-30 | Listed for sale | $655,000 |
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