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RATES GOT YOU DOWN.... This home has a fully assumable VA loan at a very low rate of 2.25%. Reach out for details! This is a nearly new home with attached Casita in the Saratoga neighborhood at Horse Creek Ridge. This highly upgraded 4 bedroom, 3 and ½ baths, open concept home is nestled in one of the more highly desirable communities within Fallbrook. This home features a 464 square foot Casita Suite with its own private entrance. The Suite features 1 bedroom, 1 full bath with stone countertops, kitchenette with built in refrigerator and microwave, quartz countertops as well as a suite living area. The rest of the home features a large great room with fireplace, gourmet kitchen with oversized island, butler’s pantry. Electrolux appliances include a 6 burner gas stove, double oven, built in microwave and oversize farm sink. Low utility bills with PAID SOLAR and a whole house fan. Primary bathroom includes his and hers sinks and walk-in closets and a huge soaking tub. Upstairs laundry with ample amount of storage and a sink. The backyard is an entertainers paradise with California room and spacious patio off the dining room for entertaining. The backyard was just completed with sprinklers & built in barbeque and firepit. Great location near the clubhouse, pool & new Palomar College off of the 76 & 15 frwy. This community is great place to raise a family with lots of parks & perfect for those that commute to San Diego or Riverside County.
Listing agent: Thomas Olsewski DRE #01442461 tom@homesbytom.us, Listing office: Coldwell Banker Realty
MLS data updated 10/19/2026, 3:31:22 AM PT
Source: CRMLS, MLS #: SW22100785
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Sep 1, 2022
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
$985,000Closed sale · Sep 1, 2022ZIP 92028 · Sep 2022
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.