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12079 Alta Carmel Ct #221 / 28 · Click to zoom

About this home

Beautifully updated upper-level condo in the highly desirable Il Palio community of Carmel Mountain Ranch / Rancho Bernardo! This bright and spacious 2-bedroom, 2-bath home offers approximately 1,036 sq ft with an open floor plan, south-facing living room and primary suite providing abundant natural light, engineered hardwood flooring, granite countertops, stainless steel appliances, walk-in pantry, and in-unit washer/dryer. Major upgrades include engineered hardwood flooring and tile throughout (no carpet), newer central A/C and heating (2022, warranty through 2031), and newer gas water heater (2022, warranty through 2028). Enjoy a private covered balcony with storage and two assigned parking spaces. Resort-style community amenities include pools, spa, fitness center, tennis, basketball & racquetball courts, clubhouse, BBQ areas, and private security patrol. Located in the award-winning Poway Unified School District and within walking distance to Rancho Bernardo High School, Bernardo Heights Middle School, and Highland Ranch Elementary. Prime location near Costco, Home Depot, CVS, shopping, dining, parks, and convenient access to I-15 & SR-56. Low-maintenance living in one of San Diego's most sought-after communities!

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$377,000 · Aug 2017
📋 Assessed value$437,533
💵 Annual tax$4,921
🏫 School districtPoway Unified School District

MLS #260012113

🔥 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

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Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
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Estimated total monthly payment
$3,558
Principal & interest$2,872
Property tax$521
Home insurance$166
Down payment: $113,600Loan: $454,400

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