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Single Family ResidenceResidential
$3,614,647$1,161 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

16530 LOS MORROS

RANCHO SANTA FE, CA 92091
3
Beds
3
Baths
3,113 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1974
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$3.6M
$3.2M low$4.1M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$3,364,647
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$2,691,718
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.6%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$250,000
BANK OF AMERICA · recorded Apr 16, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,811 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,168,956 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$670,020
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$498,936
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,146,036

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
76
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
40
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
11
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
89
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN DIEGO
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
R. Roger Rowe Elementary SchoolA
Elementary · Grades KG–5 · 1.9 mi
M
R. Roger Rowe Middle SchoolA+
Middle · Grades 6–8 · 1.9 mi
H
Torrey Pines High SchoolA+
High · Grades 9–12 · 4.2 mi

District: Rancho Santa Fe Elementary School District

Neighborhood · ZIP 92091These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.236

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.42%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.765
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.472 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$167,259
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$232,218
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.13 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

16530 Los Morros measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 98% of homes in San Diego County
  • Costs more per square foot than 96% of homes in San Diego County
  • Bigger than 92% of homes in San Diego County
  • Has a smaller lot than 84% of homes in The Covenant of Rancho Santa Fe
  • Older than 83% of homes in Rancho Santa Fe 92091

What homes are worth in Rancho Santa Fe 92091

Each bar is how many homes fall in that price range. The marker is this home.

This home
$1M$8.2M

This home is worth more than 60% of homes in Rancho Santa Fe 92091.

How it measures up in Rancho Santa Fe 92091

The dot is this home. The mark in the middle is the typical home in Rancho Santa Fe 92091.

Estimated value$3,614,647
CheaperTypical $2,976,211Pricier

Pricier than 60% of homes nearby

Price per ft²$1161
CheaperTypical $920Pricier

Pricier than 89% of homes nearby

Living area3,113 ft²
SmallerTypical 3,092 ft²Bigger

Bigger than 52% of homes nearby

Lot size1.1 ac
SmallerTypical 1 acBigger

Bigger than 53% of homes nearby

Year built1974
OlderTypical 1988Newer

Newer than 17% of homes nearby

How 16530 Los Morros ranks against every home in each area.
MeasureThis homeThe Covenant of Rancho Santa FeRancho Santa Fe 92091San Diego County
Estimated valuepricier than$3,614,64724% of homes60% of homes98% of homes
Price per ft²pricier than$116160% of homes89% of homes96% of homes
Living areabigger than3,113 ft²27% of homes52% of homes92% of homes
Lot sizebigger than1.1 ac16% of homes53% of homes76% of homes
Year builtnewer than197431% of homes17% of homes31% of homes

About 16530 Los Morros

How much is 16530 Los Morros, Rancho Santa Fe, CA worth?

The TopHap Estimate for 16530 Los Morros, Rancho Santa Fe, CA is $3,614,647 as of Jul 14, 2026. The likely range is $3,169,314 to $4,059,980. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 16530 Los Morros, Rancho Santa Fe, CA last sell?

16530 Los Morros, Rancho Santa Fe, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 16530 Los Morros, Rancho Santa Fe, CA?

16530 Los Morros, Rancho Santa Fe, CA has 3 bedrooms, 3 bathrooms and 3,113 square feet of living space.

When was 16530 Los Morros, Rancho Santa Fe, CA built?

16530 Los Morros, Rancho Santa Fe, CA was built in 1974, making it 52 years old.

What schools serve 16530 Los Morros, Rancho Santa Fe, CA?

16530 Los Morros, Rancho Santa Fe, CA is assigned to R. Roger Rowe Elementary School (elementary), rated A; R. Roger Rowe Middle School (middle), rated A+; Torrey Pines High School (high), rated A+. All sit in Rancho Santa Fe Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 16530 Los Morros, Rancho Santa Fe, CA compare to other homes in Rancho Santa Fe 92091?

Among the 1,269 homes in Rancho Santa Fe 92091, it is worth more than 60% of them ($3,614,647 against a typical $2,976,211), its price per square foot is higher than 89% of them ($1161 against a typical $920), it is bigger than 52% of them (3,113 ft² against a typical 3,092 ft²), its lot is bigger than 53% of them (1.1 ac against a typical 1 ac) and it is newer than 17% of them (1974 against a typical 1988). Measured against all of San Diego County, it is worth more than 98% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 16530 Los Morros, Rancho Santa Fe, CA?

The 2025 property tax bill for 16530 Los Morros, Rancho Santa Fe, CA was $13,811. The county assessed it at $1,168,956.

Closest homes

More homes in Rancho Santa Fe 92091

Assigned schools

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