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Welcome to 35764 Bay Morgan Lane, a stunning 2019-built home in the highly sought-after Horse Creek Ridge community of Fallbrook. This immaculate original-owner residence offers 3,240 square feet of thoughtfully designed living space, featuring 4 bedrooms, 3 full bathrooms, and 1 half bath, all set on a 6,100-square-foot lot. Meticulously maintained, the home reflects true pride of ownership throughout. With 15 paid-off solar panels, you’ll enjoy meaningful energy savings while living comfortably and efficiently. Every space feels intentional, inviting, and move-in ready, perfect for both everyday living and entertaining. Horse Creek Ridge isn’t just a neighborhood; it’s a lifestyle. The community boasts six charming pocket parks, a vibrant Sports Park hosting games and events, and two resort-style pools, including one with a spacious clubhouse. Residents also enjoy six or more free annual community events, fostering a strong sense of connection. Food trucks frequently visit, including a beloved local coffee truck, adding a touch of neighborhood charm. For outdoor enthusiasts, multiple scenic walking and hiking trails wind through the community, with direct access to the popular Monserate Mountain trail, offering endless opportunities to enjoy nature just steps from your door. Adding to the convenience, Palomar College’s Fallbrook campus is within walking distance, and the location strikes the perfect balance between peaceful surroundings and easy access to North County amenities. This is a rare opportunity to own a nearly new, turnkey home in one of Fallbrook’s most desirable communities, where modern living meets small-town charm.
Listing agent: Jessica Costella DRE #01790472 jvilla22@gmail.com, Listing office: Allison James Estates & Homes
MLS data updated 10/20/2026, 10:41:08 PM PT
Source: CRMLS, MLS #: NDP2600535
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Apr 6, 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
$995,000Closed sale · Apr 6, 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.