Only ten of these models were built in Fallbrook's sought-after Horse Creek Ridge community! This beautifully maintained home is perfect for multi-generational living, offering a blend of comfort, function, and style with 3 spacious bedrooms, 3 full baths, and a versatile upstairs loft. Light, bright, and designed for modern living.
The open layout features a great room with cozy fireplace, a spacious dining area, and a chef's kitchen with quartz countertops, stainless steel appliances, and a large island with seating. Additionally, there is a Flex Room separated by plantation shutters that is currently used as a dining room, but could also serve as a private home office.
The first-floor luxury primary retreat features an expansive en-suite bath and a large walk-in closet. An additional bedroom and full bath on the opposite side of the main level are ideal for guests. Upstairs is perfect for multi-generational living with a guest suite, full bath, extra storage, and a spacious loft area that can be used as a second family room, game room, or media room.
Enjoy added custom storage throughout the home, including a walk-in pantry in the laundry room, linen closets, an under-stair pantry, and pull-out shelving. The backyard is fully finished with patio, turf, and river rock - beautiful and completely maintenance-free.
Additional highlights include PAID solar, wood look tile, whole house water filtration system, Quiet Cool fan, epoxy garage floors, dual-zone A/C, and a tankless water heater.
Horse Creek Ridge residents enjoy a community pool, parks, hiking trails, expansive views - plus all that North County San Diego has to offer - wineries, golf, dining, and scenic recreation. Best of all, it is located just 20 miles from the coast!
Schedule a showing today on this Better Than New model that rarely hits the market!
For sale
Listing Provided by:
Felicia Morales DRE #01471238 951-760-8307,
Lumina Real Estate & Lending
$930,000
35783 Bay Morgan Ln, Fallbrook, CA 92028
3beds
2,654sqft
Est.:
Single Family Residence
Built in 2020
6,818 Square Feet Lot
$924,400 Zestimate®
$350/sqft
$205/mo HOA
What's special
Spacious loft areaEpoxy garage floorsUnder-stair pantryExpansive en-suite bathFirst-floor luxury primary retreatOpen layoutLarge walk-in closet
- 39 days |
- 506 |
- 14 |
Zillow last checked: 8 hours ago
Listing updated: December 03, 2025 at 04:09pm
Listing Provided by:
Felicia Morales DRE #01471238 951-760-8307,
Lumina Real Estate & Lending
Source: CRMLS,MLS#: SW25253586
Originating MLS: California Regional MLS
Originating MLS: California Regional MLSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 2
Rooms
- Room types: Family Room, Guest Quarters, Kitchen, Laundry, Loft, Primary Bathroom, Primary Bedroom
Primary bedroom
- Features: Main Level Primary
Primary bedroom
- Features: Primary Suite
Bathroom
- Features: Bathtub, Closet, Dual Sinks, Full Bath on Main Level, Soaking Tub, Separate Shower, Tub Shower
Kitchen
- Features: Kitchen Island, Kitchen/Family Room Combo, Quartz Counters
Cooling
- Central Air, Attic Fan
Appliances
- Included: Dishwasher, Electric Oven, Gas Cooktop, Refrigerator, Tankless Water Heater, Dryer, Washer
- Laundry: Laundry Room
Features
- Ceiling Fan(s), In-Law Floorplan, Open Floorplan, Pantry, Quartz Counters, Recessed Lighting, Storage, Loft, Main Level Primary, Primary Suite
- Flooring: Tile
- Doors: Sliding Doors
- Windows: Plantation Shutters
- Has fireplace: Yes
- Fireplace features: Family Room, Gas Starter
- Common walls with other units/homes: No Common Walls
Interior area
- Total interior livable area: 2,654 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Garage
- Attached garage spaces: 2
Accessibility
- Accessibility features: Other
Features
- Levels: Two
- Stories: 2
- Entry location: 1
- Patio & porch: Patio
- Pool features: Association
- Fencing: Excellent Condition,Vinyl,Wrought Iron
- Has view: Yes
- View description: Hills, Peek-A-Boo
Lot
- Size: 6,818 Square Feet
- Features: Back Yard, Drip Irrigation/Bubblers, Front Yard, Landscaped, Yard
Details
- Parcel number: 1085054100
- Zoning: S88
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subtype: Single Family Residence
Materials
- Foundation: Slab
- Roof: Tile
Condition
- Turnkey
- New construction: No
- Year built: 2020
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available, Electricity Connected, Natural Gas Connected, Phone Available, Sewer Connected, Underground Utilities, Water Connected
Green energy
- Energy generation: Solar
- Water conservation: Water-Smart Landscaping
Community & HOA
Community
- Features: Biking, Curbs, Foothills, Hiking, Park, Suburban, Sidewalks
- Security: Carbon Monoxide Detector(s), Fire Sprinkler System, Smoke Detector(s)
- Subdivision: Fallbrook
HOA
- Has HOA: Yes
- Amenities included: Playground, Pool
- HOA fee: $205 monthly
- HOA name: Horse Creek Ridge
- HOA phone: 855-403-3852
Location
- Region: Fallbrook
Financial & listing details
- Price per square foot: $350/sqft
- Tax assessed value: $650,470
- Annual tax amount: $10,076
- Date on market: 11/6/2025
- Cumulative days on market: 39 days
- Listing terms: Cash to New Loan
- Inclusions: Washer, Dryer, Fridge
- Exclusions: Drawers in primary closet
- Road surface type: Paved
Estimated market value
$924,400
$878,000 - $971,000
$4,470/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/6/2025 | Listed for sale | $930,000+56.3%$350/sqft |
Source:  CRMLS #SW25253586 Report a problem | ||
| 2/21/2020 | Sold | $595,000$224/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $10,076 +2.2% | $650,470 +2% |
| 2024 | $9,855 +2.8% | $637,717 +2% |
| 2023 | $9,584 +0.7% | $625,214 +2% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$5,921/mo
Principal & interest
$4483
Property taxes
$907
Other costs
$531
Climate risks
Neighborhood: 92028
Nearby schools
GreatSchools rating
- 7/10Live Oak Elementary SchoolGrades: K-6Distance: 3.9 mi
- 4/10James E. Potter Intermediate SchoolGrades: 7-8Distance: 4.1 mi
- 6/10Fallbrook High SchoolGrades: 9-12Distance: 5.3 mi
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