For sale

$670,000

Est. $4,860/mo —

•

1,120

sq ft

12435 Rios Rd, San Diego, CA 92128

About this home

Beautiful, recently upgraded single-level Seven Oaks residence with newly-added front Bonus room, features a large and private, fully-fenced backyard with covered patio, ceiling fan/light, and garden area with turf, perfect for magical sunset viewing In the past two years, the 2 BD/2 BA condo was transformed with new stainless-steel appliances, flooring, electrical, lighting, skylight and refaced cabinets and hardware in the kitchen, new carpeting, blinds, paint and fan in the bedrooms, a reimagined family room and living room with new flooring and paint, and a new washer and dryer. A new roof was completed in 2022. Walk to supermarkets, coffee shops, restaurants, and the Seven Oaks 55+ Rancho Bernardo community center, which features an expansive pool and patio and numerous clubs and activities. HOA includes water, cable, trash, and landscaping maintenance. This residence won’t be on the market for long.

CondoProperty Type

1965Year Built

$598Price/Sq.Ft.

$690/moHOA Dues

1 garage spacesParking

Listed by Brett Dickinson •DRE #01714678 • Compass

•858-204-6226 (agent)

•Brett@brettdickinsonteam.com (agent)

Listed by Ross Clark •DRE #01830849 • Compass

Listing updated: Aug 22, 2026 at 01:02pm

Redfin checked: a minute ago

•Source:SDMLS #260017399

Payment calculator

$4,860 per month

Principal and interest$3,344

Property taxes

HOA dues

Home insurance

Utilities

5 minutes to get started. No credit impact.

Mortgage resources

See this home in person

Open houses

No upcoming open houses.

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Around this home

Schools

K - 12
Preschool & daycare

Highland Ranch Elementary School

Public K-5 • Assigned • 2.2mi

9/10

Bernardo Heights Middle School

Public 6-8 • Assigned • 1.1mi

8/10

Rancho Bernardo High School

Public 9-12 • Assigned • 1.4mi

9/10

Provided by GreatSchools

About Rancho

Bernardo

Rancho Bernardo, located between Poway and Escondido, is a master-planned and golf-oriented San Diego neighborhood with rolling hills and a village-style retail core. The neighborhood’s tempo concentrates around Bernardo Center Drive at Camino del Norte, where patios, coffee counters, and service storefronts line the shopping plazas. Ranch-style houses, Spanish-influenced facades, and newer planned tracts follow the contours of canyons and fairways. Lake Hodges and the San Dieguito River Park frame the western edge with trailheads and open views. The Country Club of Rancho Bernardo and Bernardo Winery act as long-running social anchors. Westfield North County and the I-15 corridor shape daily errands and commutes.

Provided by Walk Score and Local Logic

Offer insights

12435 Rios Rd · $670,000

Strong offer

$670K and above

75% chance or better to win

Why $670K+ is a strong offer

DAYS ON MARKET

The average home goes pending in 41 days.

SALE-TO-LIST

Most homes are selling 1% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Dining

Interior features
Fireplace in the living room
Dishwasher
Disposal
Microwave
Refrigerator
Range/Oven

Bedrooms
2 possible bedrooms

Bathrooms
2 full bathrooms

Kitchen
Dishwasher
Disposal
Microwave
Refrigerator
Range/Oven

Flooring
Carpet
Wood

Heating & cooling
Forced air heating (natural gas)
Central air conditioning

Sale and tax history for 12435 Rios Rd

Sale History
Tax History

Year

Property tax

Land + Additions

Assessment*

2025

$2,553 (+29.3%)

$76,778 + $108,689

$185,467

2024

$1,975 (+2.2%)

$75,273 + $106,558

$181,831

2023

$1,932 (+1.8%)

$73,798 + $104,469

$178,267

2022

$1,898 (+1.4%)

$72,351 + $102,421

$174,772

2021

$1,872 (+1.4%)

$70,933 + $100,413

$171,346

2020

$1,847 (+2.7%)

$69,543 + $98,445

$167,988

2019

$1,798 (+2.9%)

$68,830 + $97,436

$166,266

2018

$1,747 (+2.8%)

$67,481 + $95,526

$163,007

2017

$1,699 (+2.2%)

$64,861 + $91,817

$156,678

2016

$1,662 (−73.3%)

$64,861 + $91,817

$156,678

2015

$6,232 (+272.1%)

$63,590 + $90,017

$153,607

2014

$1,675 (+0.4%)

$61,409 + $86,929

$148,338

2013

$1,668 (+2.0%)

$61,409 + $86,929

$148,338

2012

$1,635 (+1.9%)

$61,132 + $86,537

$147,669

2011

$1,604 (+0.7%)

$59,934 + $84,841

$144,775

2010

$1,593 (+0.8%)

$58,759 + $83,178

$141,937

2009

$1,581 (+2.3%)

$58,320 + $82,557

$140,877

2008

$1,546

$58,459 + $82,754

$141,213

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

—

Year renovated

1965

Finished Sq. Ft.

1,120

Unfinished Sq. Ft.

—

Total Sq. Ft.

1,120

Year built

1965

Style

Condo/Co-op

County

San Diego County

APN

2745111979

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 19, 2026.

RS-1-14

RANCHO BERNARDO

Residential-Single Unit Zone

The purpose of the RS zones is to provide appropriate regulations for the development of single dwelling units that accommodate a variety of lot sizes and residential dwelling types and which promote neighborhood quality, character, and livability. It is intended that these zones provide for flexibility in development regulations that allow reasonable use of property while minimizing adverse impacts to adjacent properties.

Zone overlays

Rancho Bernardo Community Plan

Permitted uses

Include but are not limited to:

Housing-Single unit
Housing-Senior
Housing-Other
Recreation
Park & open space

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

3/10 Fire Factor

0.15% chance of being in a wildfire in next 30 years

5/10 Heat Factor

7 days above 97° expected this year, 20 days in 30 years

1/10 Wind Factor

Minimal risk of severe winds over next 30 years

4/10 Air Factor

5 unhealthy days expected this year, 5 days in 30 years

Provided by First Street

Historical weather

San Diego, CA • 92128

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

88/ 100

Very good sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

9.9 hrs

6.4 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 12435 Rios Rd

$658,348

$12K under list price of $670K

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $350K to $680K.

SOLD MAY 21, 2026
$643,100 Last sold price
2 beds2 baths1,120 sq ft
12424 Rios Rd, San Diego, CA 92128
$24/sq ft
BOUGHT WITH REDFIN MAR 30, 2026
$680,000 Last sold price
3 beds2 baths1,311 sq ft
16232 Avenida Venusto Unit B, San Diego, CA 92128
$79/sq ft
26 years newer
SOLD DEC 5, 2025
$670,000 Last sold price
2 beds2 baths1,358 sq ft
16632 Roca Dr, San Diego, CA 92128
$105/sq ft
5 years newer
SOLD MAY 22, 2026
$649,000 Last sold price
2 beds2 baths1,222 sq ft
16450 Caminito Vecinos #106, San Diego, CA 92128
$67/sq ft
8 years newer
SOLD AUG 17, 2026
$350,000 Last sold price
2 beds2 baths1,120 sq ft
12453 Rios Rd, San Diego, CA 92128
$285/sq ft
SOLD MAY 18, 2026
$642,500 Last sold price
2 beds2 baths1,372 sq ft
16407 Caminito Vecinos #155, San Diego, CA 92128
$130/sq ft
9 years newer

Rental earnings

Est. $3,269 per month, based on comparable rentals

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