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12341 Winter Gardens Dr1 / 25 · Click to zoom

About this home

Endless possibilities meet modern comfort in this Lakeside bungalow with a VA ASSUMABLE rate of only 2.375%!!! Situated on a sprawling 0.88-acre lot with picturesque views, this 1-bedroom, 1-bath residence has been thoughtfully updated and features energy-efficient split-system heating and air conditioning. The lower-level basement, complete with a separate entrance and washer/dryer hookups, offers over 300 sq ft of exceptional flexibility for future living space, a private office, workshop, gym, or additional storage. The expansive grounds provide room to grow with opportunities to expand the home, add an ADU, install a resort-style pool, accommodate RVs, or simply enjoy the peaceful surroundings and open space. Whether you're searching for your first home or an investment with long-term potential, this unique property delivers the rare combination of move-in-ready living, usable land, and outstanding future possibilities-all in a convenient Lakeside location close to schools, shopping, restaurants, and major commuter routes.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$589,000 · Dec 2021
📋 Assessed value$637,550
💵 Annual tax$8,256
🏫 School districtGrossmont Union High School District

MLS #PTP2605791

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone

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
Home insurance %/yr
Estimated total monthly payment
$3,753
Principal & interest$3,029
Property tax$549
Home insurance$175
Down payment: $119,800Loan: $479,200

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