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11872 Bernardo Ter #A1 / 28 · Click to zoom

About this home

Set within the Rancho Bernardo Racquet Club community of San Diego, 11872 Bernardo Terrace Unit A is a single-level 3-bedroom, 2-bathroom home offering 1,481 square feet end-unit surrounded by mature landscaping and additional greenbelt space. Vaulted ceilings, abundant natural light, and a spacious patio create an easy indoor-outdoor lifestyle with a sense of comfort and privacy throughout. The living room is filled with warmth and character, featuring dramatic vaulted ceilings, a stained-glass accent window, plantation shutters, and a white-painted brick fireplace that creates a natural focal point for the space. Large sliding glass doors connect the dining area to the private patio, creating a seamless flow for entertaining or quiet mornings surrounded by greenery. The kitchen offers generous cabinetry, a functional layout, and a breakfast bar that opens to the main living spaces, while an adjacent built-in workspace adds flexibility for remote work, hobbies, or daily organization. The primary suite feels bright and peaceful with large windows and a spacious layout, while the secondary bedrooms provide flexibility for guests, office space, or additional living needs. Residents of Rancho Bernardo Racquet Club enjoy access to a community pool, spa, tennis and racquet courts, clubhouse, and beautifully maintained grounds, all within walking distance to Barons Market, coffee shops, restaurants, shopping, the library, and other everyday conveniences.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$122,000 · Sep 1996
📋 Assessed value$202,647
💵 Annual tax$2,220
🏫 School districtPoway Unified School District

MLS #260017528SD

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

Estimate your monthly payment. Adjust the numbers to fit your budget.

Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$4,699
Principal & interest$3,792
Property tax$688
Home insurance$219
Down payment: $150,000Loan: $600,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.