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OWNED SOLAR, UPGRADED BACKYARD, VA APPROVED. $699,000-$715,000 Located on a desirable corner just moments from the community park and pool, this beautifully upgraded 4-bedroom + Loft home in the sought-after Horse Creek Ridge community stands out with thoughtful improvements, energy efficiency, and exceptional outdoor living. Built in 2018, the home offers a flexible and functional layout featuring a highly desirable downstairs bedroom and full bathroom, plus a spacious upstairs loft ideal for a home office, media room, or play space. The open-concept main living area flows seamlessly into the kitchen and dining spaces, creating an inviting environment for both everyday living and entertaining. The kitchen features dark cabinetry paired with new white quartz countertops, a farmhouse sink, and updated appliances for a clean, modern feel. Fresh interior paint and updated flooring enhance the bright and move-in-ready atmosphere throughout. One of the home’s standout features is the beautifully finished backyard retreat, complete with pavers, turf, and a dedicated dog run. A flourishing garden filled with passionfruit, lemon, strawberry, guava, dragon fruit, tomatoes, and peppers creates a peaceful outdoor oasis rarely found in the community. Additional upgrades include a fully owned solar system, professionally restored attic with added insulation for improved energy efficiency, upgraded exterior outlets for holiday lighting, and Ring security cameras. As a fully detached home with no shared walls, it offers privacy and comfort within a vibrant neighborhood setting. Residents of Horse Creek Ridge enjoy resort-style amenities including pools, clubhouse, parks, hiking trails, sports fields, and playgrounds, with convenient access to Interstate 15 and California State Route 76, and the future Palomar College campus planned nearby. Pala Ranch - New Retail & Mixed-Use Development (Coming Soon)
Listing agent: Cheryl Monteiro DRE #02210423 cheryl@makingsandiegohome.com, Listing office: Real Broker
MLS data updated 10/19/2026, 4:17:52 PM PT
Source: CRMLS, MLS #: PTP2602122
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Apr 22, 2026
Prices use the left axis; mortgage rates use the right. Hover, tap, or focus the chart and use the arrow keys. Red SOLD badges mark recorded sales.
This home · nearest recorded event
$722,000Closed sale · Apr 22, 2026ZIP 92028 · Apr 2026
No monthly averageAt least 3 eligible sales in this month are required.30-year fixed mortgage benchmark
No weekly rateNo published rate within 7 days of this date.ZIP averages use publicly displayable closed sales from our licensed MLS feed, matched to the same ZIP and exact property type. Months with fewer than 3 sales are omitted; the current month is incomplete. Lines connect available monthly observations across gaps and do not represent measured prices in missing months. These averages are not adjusted for size, condition, or location within the ZIP, and are not an appraisal. Feed coverage may not include every sale. All available shows the available home and ZIP history, with mortgage rates over the same dates.
Mortgage benchmark: Freddie Mac Primary Mortgage Market Survey®. © Freddie Mac. Weekly national 30-year fixed rates, not APRs or a loan quote. Actual terms vary. Methodology changed in November 2022. The chart does not establish that interest-rate changes caused a home’s price changes.
Lines connect recorded asking and sale prices. They are visual guides, not estimates of the home’s value between those dates.
No earlier records were returned by our current sources. This does not mean the home has never sold.
MLS records may be incomplete. Earlier asking prices are not sale prices.