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Welcome home to 4431 San Joaquin Street in Rancho Pacifica! This stunning property is a real box checker with its 5 full bedrooms, a nearly 10,000 square foot lot, the 3-car garage you've been looking for, and plenty of curb appeal complemented by a wrought iron gated courtyard entry. Enter the home through double doors and be wowed by two-story ceilings and an abundance of natural light due to multiple windows and skylights. One of the five true bedrooms is downstairs, perfect for guests or those who would prefer to live on the main level. Just prior to hitting the market, the owner had new engineered vinyl plank flooring installed at the master bathroom and upstairs guest bath, as well as new carpeting throughout. The kitchen has a brand new stainless steel oven and built-in microwave which have never been used, and you will love the walk-in pantry and storage. There are separate family and formal living rooms, as well as a dining room. The family room has a cozy wood burning fireplace, and the convenient patio slider opens to the covered patio and large yard. The master suite is very spacious and accessed through double doors, and you will love the spacious bath with dual sinks, a shower stall and separate tub, and the generous walk-in closet with mirrored wardrobe doors. In the front of the home and located upstairs, there is a very large bedroom with windows that offer impressive views of the surrounding hills. This home would be perfect for those who appreciate a savings opportunity, as it has no Mello Roos taxes or HOA fees. The home's location is also quite desirable, too. There are 133 restaurants rated 4 or more stars within a 5-mile radius. Added convenience comes from the home being located within 0.1 mile of retail, including groceries, cleaners, pharmacy and more, and the wildly popular Oceanside Pier is a mere 6.2 miles from the home. The location is also convenient for those whose work requires a commute to San Diego or even Orange County, as the 76 freeway is approximately a mile and a half from the home.
Listing agent: Brent Humpherys DRE #01313810 brent@humpheryshomes.com, Listing office: Humpherys Homes & Estates
MLS data updated 11/2/2026, 6:46:51 AM PT
Source: CRMLS, MLS #: ND24170721
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Oct 1, 2024
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
$979,000Closed sale · Oct 1, 2024ZIP 92057 · Oct 2024
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.