Summit Ridge Resort: A San Diego Mobile Home Park Guide

Summit Ridge Resort is a manufactured home community on 63rd Street in the Encanto area of southeastern San Diego, according to some directory listings around 240 spaces, which should be confirmed with management. Despite the name, it’s a mobile home park, not an RV resort, and it’s been part of the neighborhood’s housing mix for decades.

What it’s like to live there

Encanto sits in southeastern San Diego with freeway access to the rest of the city. Confirm current occupancy rules and on-site amenities with management before you tour. If you’re weighing this park against others, it helps to compare mobile home parks across San Diego County.

The monthly cost picture

Like most manufactured home communities in San Diego, Summit Ridge Resort is a land-lease park: you own your home outright but pay rent for the space it sits on. Space rent varies and isn’t publicly listed, so get the current figure from the park office before you make an offer. Beyond rent, ask how the home is taxed and budget for utilities, insurance, and any park fees. For a fuller breakdown, see how mobile home space rent works in San Diego.

Who it fits and how ownership works

This kind of park tends to fit buyers who want a lower entry price than a stick-built house in the same part of town. The tradeoff is you’re building equity in the home, not the land underneath it, which matters if you’re thinking long-term about resale or estate planning.

What a lender will and won’t finance here

At Summit Ridge Resort, the land stays with the park. Buyers often look at home-only loans for that setup. HUD’s Title I program can also finance a manufactured home as personal property, including a home placed on a leased lot, when current HUD, lender, park-lease, and borrower conditions are met. A real-property mortgage, including FHA Title II, typically needs owned land and a recorded foundation conversion, which this park does not provide. Ask each lender, in writing, which programs they will consider for the exact home and this park’s lease. Land & Home SD refers buyers to independent professionals; we do not approve loans or quote terms.

See our manufactured home financing guide and how to finance a manufactured home in California.

FAQs

Is Summit Ridge Resort age-restricted?

That isn’t published in the directory listing we sourced. Confirm directly with park management whether it’s an all-age or 55+ community before you tour.

Do I own the land under my home?

No. This is a land-lease park, so you’d own the home and lease the space it sits on from the park owner.

Can I get a regular mortgage on a home here?

A conventional or FHA Title II real-property mortgage is usually unavailable at Summit Ridge Resort because you would not own the land. Home-only loans are common. Title I personal-property financing can apply on a leased lot if the lender, HUD rules, and the park’s lease allow it. Get those answers in writing before you offer.

What amenities does the park have?

None are listed in the source directory. Ask the park office directly about clubhouse, laundry, or other on-site amenities before you visit.