It’s technically just southwest of Rancho Bernardo, but… my husband and I moved into the south side of 4S Ranch (south of Camino del Norte) about 6 weeks ago and we LOVE it. The HOA and Mello Roos are much lower on the south side and we like how you don’t feel like you’re looking at an endless sea of houses when you’re driving in.
I haven’t met any stay at home moms yet, but I see them everyday (pushing their strollers) as I am driving into work. Our kids are age 1 and 3.
I predict that the south area has more older kids than the north end (which has newer construction, and more younger kids), but that doesn’t bother us much. There are still LOTS and LOTS of kids. and hopefully fewer young ones will mean that Stone Ranch Elementary will get less crowded as my little ones reach school age.