92128 Homes with HOA

92128 Homes with HOA

Welcome to the charming community of 92128, nestled in the heart of San Diego County, California. This vibrant zip code encompasses the picturesque neighborhoods of Rancho Bernardo and surrounding areas, offering a perfect blend of suburban tranquility and modern convenience. With its beautiful landscapes, top-rated schools, and a wealth of amenities, 92128 is an ideal place for families, retirees, and everyone in between.

Homes in this area often come with the benefit of a Homeowners Association (HOA), ensuring that community standards are upheld and that the neighborhood remains a beautiful place to live. These HOAs frequently provide a range of services and amenities, including well-maintained common areas, community pools, parks, and recreational facilities. This not only enhances the quality of life for residents but also helps to foster a strong sense of community.

The zip code 92128 boasts easy access to major highways, making commutes to downtown San Diego and other parts of the county a breeze. Residents enjoy a variety of shopping, dining, and entertainment options, from quaint local boutiques to popular restaurants and cafes. Additionally, the area is known for its outdoor recreational opportunities, with nearby hiking trails, golf courses, and parks that invite you to explore the natural beauty of Southern California.

Whether you’re looking for a cozy single-family home or a modern condo, the real estate market in 92128 offers diverse options to suit your lifestyle. Embrace the charm and convenience of this delightful community and discover why so many are proud to call 92128 home!

Newest 92128 Homes with HOA

$539,900
2 Beds ⋅ 2 Baths ⋅ 260023043SD MLS ⋅ Active Status
Welcome to Vista Del Lago, a gated community in the heart of Rancho Bernardo! This desirable ground floor 2 bedroom, 2 bath home features dual primary suites, high ceilings, a cozy fireplace, walk in closet in both bedrooms, and a spacious, functional floor plan. Enjoy the convenience of in home laundry with a full size hall closet for a side by side washer/dryer plus cabinetry. Step outside to your private enclosed, covered patio, perfect for relaxing and enjoying the views with a large storage closet for added convenience. A standout feature is the LARGE private garage located just steps from the patio, offering room for your vehicle and extra storage, plus plenty of open parking for residents and guests. Vista Del Lago offers resort style amenities including 2 pools (one a heated lap pool), 2 spas, 4 lighted tennis/pickleball courts, exercise room, changing rooms, billiard room, banquet room and more. Residents also enjoy their own pool/spa and EV charging station. Located within the Poway Unified School District and near Lake Hodges hiking trails, San Pasqual Valley vineyards, shopping, dining and recreation. HOA dues include water, trash, exterior maintenance, and access to the community’s extensive amenities. Enjoy gated Rancho Bernardo living with exceptional amenities and a convenient North County location!

18585 Caminito Pasadero Unit 434, Rancho Bernardo/Sabre Springs/Carmel Mt Ranch
$1,450,000
3 Beds ⋅ 3 Baths ⋅ NDP2608824 MLS ⋅ Coming Soon Status
Welcome to this beautifully remodeled only custom built home in all of Oaks North, Rancho Bernardo's premier 55+ community. The renovation has just been completed, creating a fresh, sophisticated home that is truly move-in ready. The kitchen, bathrooms, bedrooms, living areas, flooring and lighting have all been thoughtfully upgraded with stylish finishes and a comfortable, contemporary feel. Beautiful golf course views provide a peaceful backdrop for everyday living and entertaining. Life at Oaks North is an active and welcoming lifestyle that residents can enjoy swimming pool, hot tub, sauna, tennis and pickleball courts, lawn bowling, fitness classes and numerous arts and crafts along with billards and card rooms and a full calendar of other activities. This beautifully updated golf course view home offers a rare opportunity to enjoy resort-style living.

12595 Camino Vuelo, San Diego
$1,050,000
3 Beds ⋅ 2 Baths ⋅ NDP2608818 MLS ⋅ Active Status
Single-storey home located in the desirable Woodcrest Subdivision of Bernardo Heights in Rancho Bernardo. Built in 1987, this well-positioned 3-bedroom, 2-bath home offers comfortable single-level living along with a lovely view. The home features a 2-car attached garage, a practical floor plan, vaulted ceilings and the convenience of having all living spaces on one floor. It is light and bright and allolws you to enjoy the surrounding views from the family room and the primary bedroom. Residents of Woodcrest enjoy access to HOA amenities including a swimming pool, spa, fitness center/gym and pickleball. The home is conveniently located near shopping, dining and major transportation routes.

12012 Caminito Ryone, San Diego
$1,125,000
2 Beds ⋅ 2 Baths ⋅ 260023012SD MLS ⋅ Coming Soon Status
NEWLY RENOVATED! Located in the highly desirable gated Chapala community within Oaks North's premier 55+ neighborhood, this single-level detached home offers an exceptional opportunity to create your dream home while enjoying a coveted golf course setting. Overlooking the rolling fairways of the Oaks North Golf Course and surrounding hills, the property has just been renovated! Fresh paint, new LVP wood flooring, updated light fixtures, etc. Inside, vaulted wood-beam ceilings and a cozy fireplace add warmth and character, while the spacious primary suite provides a comfortable retreat. The expansive covered patio is the perfect place to relax and take in the peaceful golf course views. Complete with an attached two-car garage and access to the outstanding Oaks North community amenities, including a pool, spa, fitness center, pickleball, tennis, clubhouse, and an active social calendar, this is a rare opportunity in one of Rancho Bernardo's most sought-after 55+ communities. New interior photos coming on 9/23!

Rancho Bernardo/Sabre Springs/Carmel Mt Ranch
$850,000
2 Beds ⋅ 2 Baths ⋅ 260022993SD MLS ⋅ Active Status
Gorgeous New Remodel w/ Resort Style Living! Very Quiet and Peaceful 55+ Community! Seller May Pay 15k for 2/1 buydown!! Front Yard Mountain Views! Very Open Floor Plan w/ Vaulted Ceiling, Chef's Kitchen w/ Super-Sized Island Counter, Newer Quartz Counters, Shaker Cabinets, Stainless Appliances, Including Beverage Cooler! Remodeled Bathrooms! Newer Double Pane Windows! Beautifully Landscaped! Large 2.5 Car Garage!! Many Amenities of Clubhouse Include: Gorgeous Pool, Spa, Exercise Room, PickleBall Courts, Shuffleboard Courts Garden and Recreation Area! Low HOA Fees Equivalent to $51 per month!! Seller May Pay 15k for buyer 2/1 buydown!! ...................Gorgeous New Remodel w/ Resort Style Living! Very Quiet and Peaceful 55+ Community! Front Yard Mountain Views! Very Open Floor Plan w/ Vaulted Ceiling, Chef's Kitchen w/ Super-Sized Island Counter, Newer Quartz Counters, Shaker Cabinets, Stainless Appliances, Including Beverage Cooler! Remodeled Bathrooms! Newer Double Pane Windows! Beautifully Landscaped! Large 2.5 Car Garage!! Many Amenities of Clubhouse Include: Gorgeous Pool, Spa, Exercise Room, PickleBall Courts, Shuffleboard Courts Garden and Recreation Area! Low HOA Fees Equivalent to $51 per month!!

16590 Casero, Rancho Bernardo/Sabre Springs/Carmel Mt Ranch
$699,000
2 Beds ⋅ 2 Baths ⋅ NDP2608785 MLS ⋅ Active Status
Enjoy The Sunny San Diego Lifestyle In This 2 Bedroom, 2 Bath Home Nestled In A Quiet Cul-De-Sac In The Desirable San Tropico Community in Sabre Springs. The Front Door Leads Into The Open Concept Living Area Featuring A Cozy Fireplace And Access To A Private Covered Patio, Perfect For Enjoying Your Morning Coffee Or Relaxing In The Evening. The Dining Area Includes An Extra Large Walk-In Closet. The Kitchen Offers Quartz Counters, A Newer Gas Range And Electric Oven, Plus A Breakfast Bar. There Is A Separate Laundry Room Which Leads To The Deep One Car Garage With Abundant Storage. The Primary Bedroom Shares An En-Suite Primary Bath, Complete With Dual Vanity, Walk-In Shower & Walk-In Closet. The Secondary Bedroom Is Located Right Across From The Hall Bath. There Is A Second Parking Spot In The Driveway And Plenty Of Guest Parking Nearby. This Well-Maintained Community Enjoys A Sparkling Pool And Spa, Perfect For Sunning And Swimming. Conveniently Located Near I-15 And The 56 Freeways. Parks, Shopping, Casual Dining, Entertainment And Recreational Options Are Close By. This Home Is Located Within The Highly Acclaimed Poway Unified School District.

12680 Springbrook Drive Unit C, San Diego
$1,242,000
3 Beds ⋅ 2 Baths ⋅ PTP2607101 MLS ⋅ Active Status
A beautifully remodeled Spanish tile style roof with owned solar system, single-story residence nestled at the end of a peaceful cul-de-sac in the highly sought-after 55+ Oaks North community. This home offers exceptional privacy with only 1 direct neighbor, no one behind, panoramic views, and effortless indoor-outdoor living. Featuring approximately 1,909 sq ft of living space, 3 bedrooms, and 2 fully remodeled bathrooms, every detail has been thoughtfully curated with today's modern buyer in mind. Step inside to discover a light-filled, open floor plan highlighted by wide-plank luxury flooring, fresh designer finishes, and two stunning living spaces. The dramatic family room showcases soaring vaulted wood ceilings with exposed beams, while the elegant living room centers around a striking floor-to-ceiling stone fireplace with custom built-ins and expansive windows framing the picturesque views. The completely remodeled chef's kitchen is both beautiful and functional, featuring custom white oak cabinetry, quartz countertops, a waterfall island with seating, stainless steel appliances, abundant storage, and stylish designer fixtures—perfect for entertaining or everyday living. The spacious primary suite offers a peaceful retreat with a spa-inspired bathroom featuring a custom tiled walk-in shower, quartz vanity, premium brushed gold fixtures, and sophisticated finishes throughout. Outside, enjoy the best of Southern California living with multiple patios, scenic hillside and neighborhood views, and plenty of space to relax or entertain. Located within the desirable Oaks North community, residents enjoy access to golf, a clubhouse, pool, fitness center, and a wide variety of recreational activities, all just minutes from shopping, dining, and the conveniences of Rancho Bernardo. This is a rare opportunity to own a designer-remodeled home that perfectly blends timeless architecture, modern luxury, and an exceptional location. Come Fall in LOVE today.

12615 Senda Acantilada, San Diego
$1,390,000
4 Beds ⋅ 2 Baths ⋅ 260022933SD MLS ⋅ Coming Soon Status
More information coming soon!

Rancho Bernardo/Sabre Springs/Carmel Mt Ranch
$429,000
1 Beds ⋅ 1 Baths ⋅ 260022929SD MLS ⋅ Active Status
Incredible buy - Incredible investment! Turnkey and beautifully renovated upper unit in Sabre Spring's Hilltop Community. One bedroom and one bathroom, assigned carport parking space (# 158), spacious renovated kitchen (2026), full gym, private laundry (community laundry is available), pool, spa, lots of beautifully landscaped grounds. Superb location in the complex and open view! Located very close to the gym and workout room and the pool and spa. VA Approved complex. HOA includes common area maintenance, exterior building maintenance, limited insurance, trash and water. Turnkey, renovated and well under $500,000. Ideal for a 1031 exchange or for a retiree or a young person getting their first place. Complex is peaceful and offers a gym, pool spa and both private and community laundry. Assigned carport space that is very convenient. Hot water, limited insurance, exterior and grounds maintenance included in HOA. Excellent Poway schools keep resale values high. Close to Poway and Carmel Mountain Ranch shopping and the I-15.

10872 SABRE HILL DR Unit 282, Rancho Bernardo/Sabre Springs/Carmel Mt Ranch
$705,000
2 Beds ⋅ 2 Baths ⋅ 260022926SD MLS ⋅ Active Status
Welcome to 11908 Tivoli Park Row #1, a bright and inviting two-story condo in the desirable Collage community. This well-appointed home features an open-concept living and dining area with vaulted ceilings, a cozy fireplace, and direct access to a private patio. The kitchen offers white cabinetry, quartz countertops, stainless steel appliances, and ample storage. Upstairs, the spacious primary suite and additional bedroom provide comfortable living, while the attached two-car garage offers convenience and extra storage. Enjoy the community’s beautifully landscaped grounds, sparkling pool and spa, and convenient location near shopping, dining, parks, and major transportation routes.

11908 Tivoli Park Row Unit 1, Rancho Bernardo/Sabre Springs/Carmel Mt Ranch
$875,000
2 Beds ⋅ 2 Baths ⋅ 260022883SD MLS ⋅ Active Status
Perfectly positioned to capture hilltop breezes and breathtaking, panoramic easterly mountain views! This beautifully maintained single story home is located in the premier 55+ community of Oaks North, within the Mirador neighborhood. Meticulously cared for, the home features a roof replaced in 2021, dual-pane Milgard windows, and a freshly painted interior that is bright and inviting. Situated on a quiet cul-de-sac along a peaceful circular drive with a grassy knoll at its center, the property boasts exceptional curb appeal. The setting is truly unmatched. The private backyard is a true retreat, whether entertaining guests or enjoying a quiet afternoon. Residents enjoy access to a wealth of community amenities, including tennis and pickleball, a pool and spa, an exercise room, and a vibrant calendar of community activities. Conveniently located near historic Bernardo Winery, local shopping, and with easy access to I-15.

12884 Circulo Dardo, Rancho Bernardo/Sabre Springs/Carmel Mt Ranch
$1,797,000
4 Beds ⋅ 3 Baths ⋅ 260022856SD MLS ⋅ Active Status
Some addresses simply feel special — and Ranch House Road is one of them. In a coveted enclave of just 15 homes, this spacious single-level home is in a prime location overlooking the 13th hole of the private Country Club of Rancho Bernardo. Recent improvements include an updated HVAC system (2025), new roof(2026), new lighting and ceiling fans, fresh landscaping and professionally wired 5.1 surround sound with Sonance ceiling speakers. The finished garage offers an EV charger, ample storage, and attic access, while a new shed provides convenient golf cart storage. The living room and formal dining area feature wood flooring, while the spacious family room offers a fireplace and easy access to the updated kitchen. The kitchen features new appliances and gorgeous views from your kitchen sink. The generous primary suite includes a seating area, walk-in closet, and remodeled ensuite bath with new cabinetry, quartz counters, dual-sink vanity, and makeup area. Additional bedrooms feature brand new carpet, and oversized closets and storage. A versatile bonus room with fireplace provides endless possibilities as a fourth bedroom or office. Expansive patio stretches nearly the length of the rear yard and enjoy the peaceful golf course surroundings . Residents enjoy access to the Rancho Bernardo Swim & Tennis Club, along with nearby shopping, dining, community events and Poway Unified schools.

12262 Ranch House, Rancho Bernardo/Sabre Springs/Carmel Mt Ranch
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Based on information from California Regional Multiple Listing Service, Inc. as of . This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.