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12118 Obispo Rd1 / 56 · Click to zoom

About this home

Prime location in Rancho Bernardo's desirable 55+ Seven Oaks community with a wide driveway, spacious backyard, and beautiful mountain and hillside views. This 2-bedroom, 2-bath home features remodeled bathrooms, updated windows with shutters, two separate living areas, a bright sunroom, and a cozy fireplace. Enjoy a low-maintenance backyard with turf and a putting green, plus access to Seven Oaks' community center, pool, fitness center, clubs, and activities.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$765,000 · Jun 2025
📋 Assessed value$780,299
💵 Annual tax$5,424
🏫 School districtPoway Unified School District

MLS #260013098SD

🔥 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
$5,482
Principal & interest$4,424
Property tax$802
Home insurance$255
Down payment: $175,000Loan: $700,000

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