SoCal Realty & InvestmentsSoCal Realty & InvestmentsCall (760) 801-6550
← All homes
12639 Calle Charmona1 / 40 · Click to zoom

About this home

Welcome to 12639 Calle Charmona, a beautifully maintained single-story residence nestled in the highly sought-after Rancho Bernardo community. Offering approximately 1,969 square feet of living space, this inviting home features 3 bedrooms, 2 bathrooms, and a thoughtfully designed floor plan that balances comfort and functionality. Natural light fills the spacious living areas, creating a warm and welcoming atmosphere ideal for both everyday living and entertaining. The well-appointed kitchen flows seamlessly into the main gathering spaces, while the generous primary suite provides a peaceful retreat with ample room to relax and unwind. Situated on a sizable lot of over 7,600 square feet, the outdoor space offers endless possibilities for gardening, outdoor dining, or creating your own private backyard oasis. The property's established landscaping enhances its curb appeal and complements the tranquil neighborhood setting. Located in the heart of Rancho Bernardo, residents enjoy convenient access to shopping, dining, golf, parks, top-rated schools, and the area's renowned Bernardo Heights recreational amenities. Which include clubhouse, two pools, tennis courts, pickleball courts, etc. Combining a desirable location, comfortable single-level living, and timeless appeal, this home presents an exceptional opportunity to enjoy the best of North County San Diego living.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$176,400 · Nov 1987
📋 Assessed value$344,363
💵 Annual tax$4,306
🏫 School districtPoway Unified School District

MLS #PTP2604943

🔥 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
$7,831
Principal & interest$6,321
Property tax$1,146
Home insurance$365
Down payment: $250,000Loan: $1,000,000

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