| Rudy Flores · (619) 392-6714 · Real Estate Strategist, Realtor® · CalDRE #02257808 · Responsible Broker CalDRE #01481919
92118 REAL ESTATE – CORONADO ISLAND
Home Tools

92118 Equity Check: What Your Home Has Gained

Village, Cays or Shores: carry your Coronado purchase price forward to an estimated value now, then see your loan paydown, your equity and a net.

HOME TOOLS · OCTOBER 2026

Coronado is one ZIP code with very different corners, from the Village to the Shores towers to the Cays. This tool starts with the price you paid in your part of town and scales it by the change in Zillow's 92118 values.

Add loan details to see principal paid, how much equity you likely hold and what selling could net. Because the ZIP figure blends every neighborhood, Rudy's review of sales near you is the next step for a real number.

Your purchase
Values are Zillow's typical value for the ZIP code, not for your street.
Uses Zillow's series for that home type when the ZIP code has one for your purchase month.
From 1985. Before 2000 the estimate chains FHFA's yearly ZIP index to Zillow.
Starts at Zillow's typical single-family value in 92118 for June 2016; use your own price.
Your loan
Pick the second choice if you refinanced or have a home equity line.
Used with the first choice. Enter 0 for a no-down-payment loan.
Blank uses the Freddie Mac average for the month you bought (15-year average for a 15-year term from August 1991).
The loan you took out when you bought.
Used with the second choice: from your latest statement; include any home equity line.
Today
Moves the range around the estimate, the same rule of thumb as the home value range tool.
Commission, escrow, title and transfer taxes, as a share of the price; commission is negotiable.
Leave at 0 to estimate it from your price and the State Board of Equalization's yearly factors.

Thinking about a different Coronado neighborhood, or about leaving the island? Four answers in the Home Strategy Quiz are all Rudy needs to draft your plan.

Take the Home Strategy Quiz

Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.

This is an estimate for planning, from Zillow's ZIP-wide typical values applied to your purchase price. It is not an appraisal, a broker price opinion, an offer, a loan offer, or tax or legal advice, and Rudy is a real estate agent, not a lender, appraiser or tax professional.

How the estimate works

  1. We read Zillow's 92118 typical value for your home type at your purchase month and at the newest month on file.
  2. Your price changes by that same percentage, and your condition choice sets the range.
  3. On an original loan, the balance is estimated from regular fixed-rate payments that begin the month after you close.
  4. Equity is the range's midpoint less your loan; the net also subtracts selling costs and comes before tax.
  5. The Prop 13 line multiplies your price by the yearly State Board of Equalization factors, capped at 2% each year.

Your Prop 13 value and Prop 19

Prop 13 sets taxable value at the purchase price and limits annual increases to 2%, so two neighbors in the Village or the Cays can be taxed on very different amounts depending on when they bought.

Owners 55 or older may use Proposition 19 to transfer taxable value to a replacement anywhere in California, provided they buy it within two years; the benefit is limited to three uses. The assessor decides eligibility.

Elsewhere on this site: the downsizing calculator and Prop 13 and Prop 19 on Coronado.

Sources and dates

Questions owners ask

Does this know which Coronado neighborhood I am in?

No. It uses one index for all of 92118, so a condo in the Shores and a house near the Village move together here. Recent sales in your own neighborhood tell the real story, and Rudy can pull them free.

Why not an index for each neighborhood?

This page uses Zillow's ZIP-code series, which runs month by month back to 2000 and is measured the same way for every owner in 92118. What sets the Village, the Cays and the Shores apart shows up in comparable sales, and that is what a personal review adds.

How do I handle a refinance or a home equity line?

Choose the second loan option and enter the combined balance you owe now. The page uses it in place of the payment estimate.

Is the taxable value an estimate of my home's worth?

No. Prop 13 taxable value is your price raised by at most 2% a year. Your tax bill has the exact number, and market value is separate.

More from Rudy

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Rudy will study recent sales in your corner of Coronado and talk through what your equity allows.

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