640 Camino De La Reina #1109, San Diego, CA — $724,000

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About this home

*Lender paid 1 year, 1% interest rate buydown for qualified buyers or 5.125% assumable interest rate for qualified, VA-eligible buyers.* Welcome to Rio del Oro, one of Mission Valley's most central and sought-after gated communities. Tucked away in a quiet interior courtyard, Unit #1109 offers a rare 2-bedroom plus office layout that perfectly balances a peaceful retreat with immediate access to two premier malls, fine dining, and the Trolley.

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Public-record history for this property.

🌊 Flood zoneAE / High Risk

🏷 Last sold$699,000 · Aug 2022

📋 Assessed value$741,783

💵 Annual tax$9,068

🏫 School districtSan Diego City Unified School District

MLS #260016050SD

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone

🌊 FEMA flood zoneZone AE — high flood risk (insurance typically required)

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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VA loan (no PMI)

Estimated total monthly payment

$4,536

Principal & interest$3,661

Property tax$664

Home insurance$211

Down payment: $144,800Loan: $579,200

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