Assume a 3.5% FHA Loan — Subject to Lender Approval and Buyer Qualification
Built in 2022 and thoughtfully maintained, this modern home in Fallbrook's Citro community delivers one of the most significant buying opportunities in the region: the chance to assume an existing FHA mortgage at just 3.5% interest — a financing advantage that could mean hundreds of dollars in monthly savings compared to current market rates. The open-concept main level flows seamlessly between the kitchen, dining, and living areas, designed for everyday comfort and easy entertaining alike, while a downstairs bedroom and full bath provide exceptional flexibility — perfect for guests, a home office, or multi-generational living arrangements. Upstairs, a spacious loft creates a natural second living space, whether you envision a media room, a dedicated remote-work setup, or additional family room, and the primary suite offers a well-appointed ensuite bath and generous walk-in closet. The fully owned solar system — owned, not leased — delivers meaningful, ongoing savings on monthly electricity costs and protection against rising utility rates, adding long-term value and lowering total cost of ownership from day one. The location is a standout: with direct access to I-15 and Highway 76, destinations throughout the region are all within reach — including Camp Pendleton, North County San Diego, Temecula, Riverside, and Oceanside — while Fallbrook's peaceful, small-town atmosphere awaits when you return home, and the Citro community's position just off the 15/76 interchange makes it one of the most conveniently located communities in the area. Beyond the home itself, Citro's resort-style amenities include 14 miles of maintained trails, playgrounds, parks, bocce ball, a clubhouse, a pool, BBQ areas, dog parks, and a working avocado and citrus grove that residents enjoy throughout the year. Assumable 3.5% FHA financing. Owned solar. Flexible floor plan. Prime North County location. Resort-level amenities — this home checks every box.
Loan assumption subject to lender approval and buyer qualification. Equal Housing Opportunity.
Under contract
Listed by: eXp Realty of Southern California, Inc.
Price cut: $5K (4/24)
$780,000
220 Hass Ln, Fallbrook, CA 92028
4beds
2,209sqft
Est.: Get pre-qualified
Single Family Residence
Built in 2022
3,238 Square Feet Lot
$779,100 Zestimate®
$353/sqft
$267/mo HOA
What's special
Dog parksBbq areasBocce ballOpen-concept main levelGenerous walk-in closetFlexible floor plan
- 70 days |
- 666 |
- 35 |
Zillow last checked:
Listing updated:
Listing Provided by:
Ankoma Hose DRE #02015992 8582102061,
eXp Realty of Southern California, Inc.
Source: CRMLS,MLS#: SW26021865
Originating MLS: California Regional MLS
Originating MLS: California Regional MLSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 1
- Main level bedrooms: 1
Rooms
- Room types: Bedroom, Kitchen, Loft, Living Room, Primary Bathroom, Primary Bedroom, Other
Bedroom
- Features: Bedroom on Main Level
Kitchen
- Features: Granite Counters
Other
- Features: Walk-In Closet(s)
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, ENERGY STAR Qualified Water Heater, Disposal, Tankless Water Heater, Water Heater
- Laundry: Upper Level
Features
- Ceiling Fan(s), Eat-in Kitchen, Granite Counters, Open Floorplan, Pantry, Recessed Lighting, Bedroom on Main Level, Loft, Walk-In Closet(s)
- Flooring: Vinyl
- Doors: Sliding Doors
- Windows: ENERGY STAR Qualified Windows
- Has fireplace: No
- Fireplace features: None
- Common walls with other units/homes: No Common Walls
Interior area
- Total interior livable area: 2,209 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Garage
- Attached garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Entry location: 1st Floor
- Pool features: Community, Association
- Has spa: Yes
- Spa features: Association, Community
- Fencing: Vinyl
- Has view: Yes
- View description: Mountain(s)
Lot
- Size: 3,238 Square Feet
- Features: Back Yard
Details
- Parcel number: 1085231500
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Modern
- Property subtype: Single Family Residence
Condition
- Turnkey
- New construction: No
- Year built: 2022
Utilities & green energy
- Electric: 220 Volts in Garage
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Green energy
- Energy efficient items: Appliances, HVAC, Thermostat, Water Heater
- Energy generation: Solar
Community & HOA
Community
- Features: Biking, Curbs, Mountainous, Storm Drain(s), Street Lights, Sidewalks, Pool
- Security: Carbon Monoxide Detector(s), Smoke Detector(s)
- Subdivision: Fallbrook
HOA
- Has HOA: Yes
- Amenities included: Bocce Court, Maintenance Grounds, Barbecue, Picnic Area, Pool, Trail(s)
- HOA fee: $267 monthly
- HOA name: Castello at Citro
- HOA phone: 900-428-5588
Location
- Region: Fallbrook
Financial & listing details
- Price per square foot: $353/sqft
- Tax assessed value: $730,620
- Annual tax amount: $12,169
- Date on market: 3/23/2026
- Cumulative days on market: 70 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Road surface type: Paved
Estimated market value
$779,100
$740,000 - $818,000
$4,263/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/27/2026 | Contingent | $780,000$353/sqft |
Source:  CRMLS #SW26021865 Report a problem | ||
| 4/24/2026 | Price change | $780,000-0.6%$353/sqft |
Source: eXp Realty #SW26021865 Report a problem | ||
| 4/6/2026 | Price change | $785,000-1.8%$355/sqft |
Source: CRMLS #SW26021865 Report a problem | ||
| 3/24/2026 | Listed for sale | $799,000$362/sqft |
Source: CRMLS #SW26021865 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $12,169 +2.7% | $730,620 +3.2% |
| 2024 | $11,848 +8.8% | $708,000 +13.1% |
| 2023 | $10,889 +39.7% | $626,000 +86% |
| 2022 | $7,795 | $336,568 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
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All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 92028
Nearby schools
GreatSchools rating
- 8/10Bonsall West Elementary SchoolGrades: K-6Distance: 10 mi
- 6/10Norman L. Sullivan Middle SchoolGrades: 6-8Distance: 3.7 mi
- 5/10Bonsall HighGrades: 9-12Distance: 3.7 mi
Schools provided by the listing agent
- High: Fallbrook
Source: CRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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- California
- San Diego County
- Fallbrook
- 92028
- 220 Hass Ln
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