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4106 Lake Circle Dr, Fallbrook, CA, 92028

3beds
3baths
1,970sqft
$799,000
$406price/sqft
$5,435/moest. monthly cost
$217,400/yrincome needed

About This Home

This original owner single-family home in the Lake Rancho Viejo community was built in 2009 and has not been on the market since construction. The two-level residence offers 1,970 square feet with 3 bedrooms and 2.5 bathrooms. It features a family room with fireplace, a kitchen equipped with gas cooktop, electric oven, range/stove hood, microwave, dishwasher and garbage disposal, and a separate laundry room on the upper level. The home includes a 2-car garage, sits on a West facing, oversized 6,534 square foot lot. With HOA dues in place, this property presents the opportunity to acquire a well-maintained original owner home and make it your own.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

6/10
5/10
Bonsall HighGrades 9-122.1 mi

Construction

Condition

  • Year built: 2009

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Cooktop,Disposal,Microwave,Range Hood
  • Laundry features: Laundry Room,Upper Level

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 1,970 sqft

Property

Details

  • Parcel number: 1252811400
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Front door
  • Pool features: None
  • Has view: Yes
  • View description: Hills

Lot

  • Lot size: 6,534 sqft
  • Features: Back Yard,Front Yard,Lawn

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
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Drought
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 $4,040$48,480
Home Insurance *$226$2,712
Property Taxes $747$8,964
Electricity $422$5,069
Total$5,435$65,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,342/yr
40% on housing$163,050/yr
45% on housing$144,933/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

$406This listing

vs Other Active Listings

Avg $/sqft

ZIP 92028$405
San Diego County$558

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
2026-07-03Listed for sale$799,000
2009-11-25Sold$363,500

For Sale by Agent

AgentLee Arnold
BrokerageBenchmark Properties

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