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17539 Cumana Ter1 / 46 · Click to zoom

About this home

Welcome to 17539 Cumana Terrace, a beautifully refreshed single-level residence in the highly sought-after Oaks North 55+ community of Rancho Bernardo. Ideally located just half a block from the historic Bernardo Winery, this home offers an exceptional blend of modern comfort, convenience, and lifestyle in one of North County San Diego's most established golf course communities. Thoughtfully updated and move-in ready, the home features fresh interior paint, stylish new flooring, newly painted cabinetry, updated ceiling fans, and a bright, inviting floor plan. Major recent improvements add tremendous long-term value and peace of mind, including a brand new HVAC system installed in Nov 2025 and new roofing underlayment completed in 2026 beneath the tile roof, a significant upgrade rarely found. The location is truly special, with Bernardo Winery just steps away for easy access to wine tasting, dining, live entertainment, artisan shops, farmers markets, and year-round community events. Residents also enjoy access to an impressive collection of recreational amenities, including a clubhouse, swimming pool, fitness center, tennis and pickleball courts, hobby rooms, game rooms, social clubs, and the nearby Oaks North Golf Course. This is an outstanding opportunity to enjoy low-maintenance living, thoughtful upgrades, and one of Rancho Bernardo's most desirable lifestyle-oriented communities.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$188,000 · Apr 1992
📋 Assessed value$338,878
💵 Annual tax$4,267
🏫 School districtPoway Unified School District

MLS #260012294SD

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Estimated total monthly payment
$6,390
Principal & interest$5,158
Property tax$935
Home insurance$298
Down payment: $204,000Loan: $816,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.