Carmel Ranch

Single Family Homes from the upper $500s • Oakdale, California

Carmel Ranch: Spacious New-Construction Homes for Sale in Oakdale, CA

Epic Savings! Take advantage of a Year 1 Rate of 2.99%, Year 2 Rate of 3.99%, and Years 3-30 Rate of 4.99% (5.786% APR)* or flex cash equivalent on every home sold and closed by June 30, 2025. Experience tranquil living at Carmel Ranch, K. Hovnanian's gated community of new homes for sale in Oakdale, CA. Choose from 4 beautiful floorplans of up to 2,752 sq. ft., 5 beds, and 3 baths. Select plans include options for our signature Extra Suite Plus, a self-contained living space within your home, ideal for multi-generational living or housing extended guests.

Each home at Carmel Ranch is offered in one of our interior design Looks: Elements, Loft, Farmhouse, or Classic. With our streamlined, innovative Looks process, you can choose and develop an interior that reflects your taste, and evokes a designer-curated atmosphere in your new-construction home.

Offered By: K. Hovnanian Homes Northern California, Inc.

Sales Office: Opens today at 10:00 AM

Call 888-261-0837

SpringCampaign 2025 PromoImage

Promotion

On every home sold and closed by June 30, 2025

A Special Low 30-Year Fixed Rate, PLUS a Temporary Buydown in the First Two Years* (or flex cash equivalent)

Year 12.99%
Year 23.99%
Years 3-304.99% (5.786% APR)

Why you’ll love living here:

Discover tranquil living at Carmel Ranch. Explore charming downtown, find plenty of outdoor activities, and enjoy easy commuter access.

  • Gated Community

  • Solar

  • Extra Suite Plus Available

  • Golf

  • Interiors

Carmel Ranch Santa Rosa II Farmhouse WB Elevation

Home of the Week

Santa Rosa II2043 Carmel Ranch Circle, Oakdale, CA, 95361 | Homesite 40

The Santa Rosa II home design on homesite 40 offers a single-story living at it's best, with plenty of space for relaxing and entertaining. Enjoy your favorite morning beverage on the covered patio, opening to the inviting great room and stylish kitchen with Nutmeg Shaker cabinets & Iced White quartz counter tops. The lavish primary suite with plush carpeting is perfect to wind down at the end of the day. This home also features a sophisticated home office, ideal for working remotely. Schedule an appointment to tour this beautiful home with one of our sales consultants!

Now

$599,990

$631,226

Available

Now

Elevated Living

Our soaring vaulted ceilings evoke boundless possibility, timeless style, and a sense of grandeur. Make yourself at home in an airy, light-filled space with plenty of room to stretch out and explore; with breezy open floorplans drenched in natural light, you’ll move seamlessly from room to room, and find it easier than ever to spend time with loved ones.

Barcelona Gas Kitchen Loft Palette 1 Level 2 Neutral Loft
Barcelona Gas Kitchen Loft Palette 1 Level 2 Neutral Loft

Palette 1

Loft

Farmhouse

Classic

Elements

Compare the details of what’s included in each Look.

Design your new home from one of our floorplans, or move in sooner with a Quick Move-In.

Pasadena - ESP

Temporarily Unavailable
  • 2,080 Sq ft
  • 1 Story
  • 4 Beds
  • 3 Baths
  • 2 Cars

 We offer many floorplan options. Configure your ideal home with our interactive floorplan tool.  

Fayetteville

Temporarily Unavailable
  • 2,349 Sq ft
  • 2 Stories
  • 3 Beds
  • 3 Baths
  • 2 Cars

We offer many floorplan options. Configure your ideal home with our interactive floorplan tool.

Macon

  • 2,752 Sq ft
  • 2 Stories
  • 4 Beds
  • 3 Baths
  • 2 Cars

Estimated payment

$4,654/mo.

Plus Cost of Solar^^

Starting price

$615,990

  We offer many floorplan options. Configure your ideal home with our interactive floorplan tool.  

Santa Rosa II

  • 2,095 Sq ft
  • 1 Story
  • 3 Beds
  • 2.5 Baths
  • 2 Cars

Estimated payment

$4,682/mo.

Plus Cost of Solar^^

Starting price

$619,990

We offer many floorplan options. Configure your ideal home with our interactive floorplan tool.  

Pasadena

  • 2,080 Sq ft
  • 1 Story
  • 4 Beds
  • 3 Baths
  • 2 Cars

Estimated payment

$4,689/mo.

Starting price

$620,990

We offer many floorplan options. Configure your ideal home with our interactive floorplan tool.  

Ready to move in sooner?

4 Quick Move-in Homes Available

  • See What's Included
    Carmel Ranch Santa Rosa II Farmhouse WB Elevation

    Santa Rosa II Farmhouse WB

    Santa Rosa II

    • 2,095 Sq ft
    • 1 Story
    • 3 Beds
    • 2.5 Baths
    • 2 Cars

    2043 Carmel Ranch Circle, Oakdale, CA, 95361 | Homesite 40

    Available

    Promo Rate*
    Year 1: 2.99%
    Year 2: 3.99%
    Year 3-30: 4.99% (5.64% APR)

    Estimated payment

    $3,646/mo.

    Current total price

    $609,990

    $631,226

  • See What's Included
    Carmel Ranch Macon Craftsman YB Elevation

    Macon Craftsman YB

    Macon

    • 2,752 Sq ft
    • 2 Stories
    • 4 Beds
    • 3 Baths
    • 2 Cars

    2047 Carmel Ranch Circle, Oakdale, CA, 95361 | Homesite 39

    Available

    Promo Rate*
    Year 1: 2.99%
    Year 2: 3.99%
    Year 3-30: 4.99% (5.735% APR)

    Estimated payment

    $4,154/mo.

    Current total price

    $703,990

    $711,420

  • See What's Included
    Carmel Ranch Pasadena Spanish VB Elevation

    Pasadena Spanish VB

    Pasadena

    • 2,080 Sq ft
    • 1 Story
    • 4 Beds
    • 3 Baths
    • 2 Cars

    2053 Carmel Ranch Circle, Oakdale, CA, 95361 | Homesite 38

    Available

    Estimated payment

    $4,654/mo.

    Current total price

    $615,990

    $627,687

Explore the area

Site plan

Devoted to building communities of excellence

K. Hovnanian® Homes is heir to a history of solid success, financial strength, award-winning standards of homebuilding quality and an authentic commitment to customer satisfaction

What our home buyers are saying
Gatlin Farrington PHX

Everything from start to finish was great. As a first time homebuyer I could not have asked for a better team to help me out along the way

Annemarie Pantazis SEC

The sales staff, mortgage consultants and construction manager did a fantastic job explaining the process, keeping me informed of the progress, and delivering an absolutely beautiful home. I am extremely pleased with the entire process and the final product is stunning!

Annemarie Pantazis

Kerri Vean HOU

The K. Hovnanian experience is one you won’t regret. No matter the circumstance, they really go the extra mile to get you in a home.

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K. Hovnanian® Homes

has 4.3 out of 5 stars in all areas

4185 reviews in all areas

Ratings Category

5

2603

4

638

3

436

2

239

1

269

Star Rating Breakdown

Overall

4.2

Quality

4.1

Trustworthiness

4.2

Value

4.2

Responsiveness

4.2

Legal Disclaimers

^^Solar panels are required to be installed on all new homes pursuant to California law. The cost of the solar panels is not included in the advertised price of the home. Solar panels can be either leased for a monthly fee or purchased for an additional amount that may qualify to be part of the mortgage financing. The required size of the solar system will vary and depends on several factors such as the home size and climate zone. 

Prices, availability, and specifications may change without notice. Lot and view premiums may apply, and availability is not guaranteed. This site makes use of licensed stock photography, artist renderings and may use artificial intelligence. Some photography and artist renderings may be used for illustrative purposes and contain structural options, furnishings or designer features that are not included as standard. Certain materials may be discontinued or substituted. Room dimensions may vary.  Please see a community Sales Consultant to learn how you can personalize your new home with optional features and upgrades. Amenity offerings may vary by community. Financial incentives including but not limited to rate buy downs, builder forward commitments (BFCs), special fixed interest rates and flex cash offerings are limited and may be discontinued without prior notice.  Please speak with a community Sales Consultant for details.

*See khov.com for full details. For new contracts written between 4/3/25 and 5/30/25 and closed by 6/30/25.  Seller will pay buydown for the first two years of the loan, which will temporarily reduce the monthly payment thereby lowering the effective interest rate  for the first two years of an owner-occupied, 3.5% down payment FHA loan. Example: 4.99% (5.786% APR) 30 Year Fixed FHA mortgage, sales price of $457,000, and loan amount of $448,717.  Year 1: 2.99% (5.786% APR), Year 2: 3.99% (5.786% APR) Years 3 – 30: 4.99% (5.786% APR). Mortgage Insurance Premium (MIP) is required at an upfront rate of 1.75% and is financed, in addition to monthly MIP at the required annual rate. Flood insurance may be required. Sales price used for comparative purposes is an estimated sales price and not associated with a specific home or location. Example is for illustrative purposes only; interest rates are subject to market conditions. For information about market rate trends, visit https://www2.optimalblue.com/obmmi/. Optimal Blue, LLC is and shall remain the exclusive owner, all rights reserved.  This offer may change or be cancelled without prior notice. Seller is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Seller is not a lender. Buyer is not required to finance through K. Hovnanian American Mortgage, L.L.C. (“KHAM”) to purchase a home; however, financing through KHAM is required to receive the buydown incentive. Offer subject to all RESPA guidelines. This is not a commitment to lend. Buyer is subject to credit and underwriting qualifications, and investor program guidelines. Not available on all homes or in all communities or states. Cannot be combined with any other discounts, promotions, or incentives. Not all borrowers will qualify. Restrictions apply. K. Hovnanian's Four Seasons communities are intended to provide housing primarily for residents 55 years of age or older. Additional restrictions, including limitations on the ages of additional permanent and temporary residents of a home, may apply. All K. Hovnanian's Four Seasons communities shall be operated as age-restricted communities in compliance with all applicable local, state and federal laws. Limited exceptions for residents 50 years of age or older may apply.  Subject to final contract terms, see Sales Consultant for details.  K. Hovnanian American Mortgage, L.L.C. 3601 Quantum Boulevard, Boynton Beach, FL 33426. NMLS #3259 (www.nmlsconsumeraccess.org). Licensed by Arizona Department of Insurance and Financial Institutions. Lic. #906585. ©2025 K. Hovnanian Arizona New GC, LLC; ROC 188563. ©2025 K. Hovnanian Arizona New GC, LLC; ROC 277023. Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. #4130532. Licensed by Delaware Office of the State Bank Commissioner to engage in business in this State. Lic. #7864 Expiration 12/31/2025. Licensed by Florida Office of Financial Regulation. Licensed by the Georgia Department of Banking and Finance #22272. Licensed by the Maryland Office of the Commissioner of Financial Regulation. Licensed by New Jersey Department of Banking and Insurance. Licensed by Ohio Division of Finan­cial Institutions. Lic. RM.850228.000. Licensed by the Pennsylvania Department of Banking and Securities. Licensed by South Carolina Board of Financial Institutions. Mortgage Banker Registration issued by Texas Department of Savings and Mortgage Lending. Licensed by Virginia State Corporation Commission, Bureau of Financial Institutions Lic.#MC-2661. Licensed by the District of Columbia Department of Insurance, Securities and Banking. Licensed by the West Virginia Division of Financial Institutions. For licensing information, go to www.nmls­consumeraccess.org. Equal Housing Opportunity.