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4545 Vereda Mar De Ponderosa1 / 36 · Click to zoom

About this home

A Rare Carmel Valley Opportunity. Tucked along a quiet, palm-lined street in one of Carmel Valley's most sought-after neighborhoods, this 4-bedroom, 2-bath, two-story home offers 2,455 square feet of bright, functional living space, a private garden retreat, and strong potential for the next owner. From the curb, mature queen palms frame a thoughtfully xeriscaped front garden with agaves, succulents, and river rock. Step through the blue front door into a formal living and dining area with soaring ceilings, elegant crown moulding, graceful tile flooring, and abundant natural light. At the heart of the home, the kitchen features a center island and opens to the family room, where a marble-surround fireplace and a wall of windows overlook the lush backyard. Upstairs, the spacious primary suite offers a tray ceiling, sitting area potential, dual closets, and an en-suite bath with a soaking tub, separate shower, and double vanity. Three additional bedrooms, including one well-suited for an office or flex space, and a laundry room complete the second level. The backyard is the true highlight: a private outdoor setting with a white pergola, brick-and-stone patio, mature palms, hibiscus, bougainvillea, raised garden beds, and flexible lawn space. It feels established, peaceful, and difficult to replicate. With solid bones, a timeless floor plan, and room to update and personalize, this home offers location, space, and long-term upside. Close to parks, nearby schools, shopping at One Paseo and Del Mar Highlands, and the coast, this is a standout opportunity in 92130.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$408,000 · Jul 1999
📋 Assessed value$639,453
💵 Annual tax$9,437
🏫 School districtSan Dieguito Union High School District

MLS #260013129SD

🔥 Risk & insurability

🔥 Fire hazard zoneVery High

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Estimated total monthly payment
$13,094
Principal & interest$10,568
Property tax$1,916
Home insurance$610
Down payment: $418,000Loan: $1,672,000

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