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SILVERGATE

Rancho Santa Fe
(Under Development)
Award-Winning Retirement Living in Rancho Santa Fe

Experience

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Benefits to the Ranch

FAQs

Testimonials

Location

Senior Living Options at Silvergate Rancho Santa Fe

Independent Living

At Silvergate Rancho Santa Fe, Independent Living feels like home - only better. Neighbors become friends, daily meals are shared around the table with friends, and a warm sense of connection runs through the entire community, making each day both comfortable and meaningful.

Assisted Living

At Silvergate Rancho Santa Fe, Assisted Living is about balancing independence with peace of mind. With attentive caregivers always nearby, residents enjoy the confidence of knowing support is available when needed - without losing the freedom to live each day to the fullest.

Memory Care

Silvergate Rancho Santa Fe provides Memory Care in a secure, intimate neighborhood-style environment designed for comfort and familiarity. With personalized activities and daily routines, residents experience meaningful engagement, while families gain peace of mind knowing their loved ones are in caring hands.

The Right Project, The Right Time

Under Development

Under Development

‍AmeriCare Health & Retirement, Inc., San Diego county’s leader in the development and operation of high-end senior living communities, has embarked on an exciting new journey to finally bring luxury retirement living to Rancho Santa Fe, California.

Our unparalleled track record of providing the finest in senior living stems from nearly four decades of working with local seniors and their families at our boutique collection of Silvergate Retirement Residences.

Silvergate Rancho Santa Fe is poised to answer the call to develop an exclusive campus-style senior living community in The Ranch so that local residents can remain in the community they cherish.

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This beautiful new community will offer a unique combination of apartment homes and cottages with an unparalleled blend of luxury, comfort and personal services across nearly 23 acres of picturesque land.

Join us on this once-in-a-lifetime journey.

Register for our Silvergate Rancho Santa Fe Wait List to receive the latest updates about the development of this extraordinary new senior living community and help ensure your priority as a future founding resident.
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The Retirement
Lifestyle You Deserve

Discover all that Silvergate Rancho Bernardo has to offer—request your complimentary community brochure today to explore our amenities, services, and spacious floorplans.
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Silvergate... Where Every Day Matters

40 Years Of Experience And Reliability

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‍For more than four decades, Silvergate has been dedicated to delivering exceptional senior living experiences across San Diego County.

Since opening its first community in 1990, the locally owned and family-operated company has grown a boutique collection of retirement residences that consistently rank among the top 1–2% of independent living, assisted living, and memory care providers nationwide.

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Throughout its history, Silvergate has built a reputation for trust, stability, and personalized care. The leadership team remains deeply engaged in day-to-day operations, ensuring that each community reflects the highest standards of quality and service.

With a proven legacy of success, Silvergate continues to combine tradition, innovation, and compassion to create retirement communities where every day matters.
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Modern two-story residential buildings surrounding a landscaped courtyard with walking paths, flowering trees, and people enjoying outdoor activities.
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The Retirement
Lifestyle You Deserve

Something extraordinary is coming to Rancho Santa Fe — a new standard in luxury retirement living.
Gallery

Development Timeline

Setting the Record Straight

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1.  Senior living is isolating.
2. Apartments are small and cramped
Large senior communities create traffic and noise
Senior living means giving up independence.
These projects don’t benefit local residents.
Senior living facilities feel institutional.

Reality:

Residents enjoy a rich social life with activities, dining experiences, and events that foster genuine connection.

Reality:

Residents enjoy a rich social life with activities, dining experiences, and events that foster genuine connection.

Reality:

Residents enjoy a rich social life with activities, dining experiences, and events that foster genuine connection.

Reality:

Residents enjoy a rich social life with activities, dining experiences, and events that foster genuine connection.

Reality:

Residents enjoy a rich social life with activities, dining experiences, and events that foster genuine connection.

Reality:

Residents enjoy a rich social life with activities, dining experiences, and events that foster genuine connection.

Why Local Ownership Matters

For more than four decades, Silvergate Retirement Residence has been locally - owned and operated by the Petree family, under its parent company, AmeriCare Health & Retirement, Inc.
Local Ownership

Responsive Operations

Property Reinvestment

Business Continuity

Pride of Ownership

Letter From the Owner

“Greetings and a warm welcome”
I’m pleased to introduce you to our newest senior living development, Silvergate Rancho Santa Fe. Currently in the early stages of planning, this extraordinary community is expected to open in 2030 on a beautiful 23-acre property within the Covenant boundary of Rancho Santa Fe.

Designed in the Spanish architectural style, Silvergate Rancho Santa Fe will offer spacious cottages and apartments unlike anything available in San Diego retirement living today.

Interest has already been remarkable, with more than 200 families joining our Wait List. I invite you to do the same and be part of this exciting new chapter for senior living in North County.
Best Regards,

David G. Petree

Chairman & CEO, AmeriCare Health & Retirement, Inc.
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Benefiting the Entire Rancho Santa Fe Community

Many Covenant residents have asked how would Rancho Santa Fe benefit from a luxury senior living development at this location. If approved, we believe Silvergate Rancho Santa Fe would offer a multitude of benefits including addressing a long, underserved community need within the Covenant.

Providing Seniors An Opportunity to Stay In the Ranch

Currently, residents of the Ranch who are seeking a quality retirement lifestyle are lacking any local neighborhood options in Rancho Santa Fe. They must move out of the community they cherish in order to find desirable senior living accommodations. With more than 850 Covenant residents currently over the age of 75, Silvergate Rancho Santa Fe would offer many seniors the opportunity to stay in the community they call home. They can remain near friends and family, continue to shop locally, keep their club membership active, and continue supporting their favorite local organizations and charities within the Ranch.
Aerial view of a dry, sparsely vegetated area with intersecting paved roads, scattered buildings, and some trees.

Generating New Revenue For the Rancho Santa Fe Association

Silvergate Rancho Santa Fe would become one of the largest contributors of annual dues to the Rancho Santa Fe Association, with initial contributions estimated at $150,000 per year. These funds would provide the Association with more resources to invest in other community needs to the benefit of all residents within the Ranch.

Supporting Long-Term Viability of the Ranch

Development of this project creates an opportunity for new families to settle in the Ranch as they buy homes from long-time Covenant members who would move to Silvergate. This next generation of families supports the long-term health and wellbeing of the entire Rancho Santa Fe community. Furthermore, as many home values for seniors have been protected by Prop. 13 for decades, the newly assessed value of these home purchases results in a significant increase in dues flowing into the Rancho Santa Fe Association as well.
A serene residential community with Mediterranean-style houses featuring red tile roofs, surrounded by lush greenery and purple blossoming trees, set against rolling hills and a partly cloudy sky at sunset.

Beautifying A Gateway Entrance to the Ranch

For decades the property at Calzada del Bosque near Chino Farms has often been considered an “eyesore” by many Covenant members. The development of Silvergate Rancho Santa Fe offers a tremendous opportunity to beautify one of the main entry points to the Ranch—something of which all residents can be proud.

Frequently Asked Questions About Rancho Santa Fe

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How many apartments and cottages are expected to be built?

The current design for the property has 148 total units, including: 94 apartments, 30 cottages and 24 memory care units.

How big will the apartments and cottages be?

Silvergate RSF will offer two-bedroom with den apartments (1,400 to 1,700 squarefeet) and the cottages will be three-bedroom with a den, with two-car garages and patios (2,000 to 2,400 square feet).

When does Silvergate RSF anticipate opening?

If approved, the estimated opening of Silvergate RSF will be in 2030.

Approximately how many residents will live at Silvergate RSF?

Approximately 200 residents.

Does AmeriCare own the property?

Yes – AmeriCare purchased the 23-acre property in July 2021.

Is the property within the RSF Covenant boundary?

Yes, as of the most recent design evolution, the entire Silvergate project is within the boundary of the RSF Covenant. No additional parcel annexation will be required and the whole project is now within the jurisdiction of the RSF Association.

Would this development require a general plan amendment with the County?

No – As this type of use is allowable under both zoning designations, it will NOT require a general plan amendment to proceed.

Will the property by subdivided?

No – The two current parcels will NOT be sub-divided further.

Will the individual units be for sale?

No – This project’s apartments and cottages are rental only.

What’s the difference between Senior Living and Senior Housing?

Senior Living (a.k.a a retirement community) typically is: Age restricted 60+, for rent, not subdivided, includes on-site dining, robust social programs, is licensed, provides assisted living & memory care services, and is managed internally by a team of professionals.

Senior Housing (a.k.a. “step down housing”) typically is: Age restricted to 55+, for sale condos, requires a subdivision map, no dining, not licensed, must comply with CA Fair Housing Act, may require affordable unit, no health services offered, managed by individual owners and a HOA association.

Is this property within the flood plain?

As of the most recent design evolution, the 100-year FEMA flood plain no longer reaches the Silvergate project boundary, and no structures are being built within it.

How visible will the property be from the road?

Substantial beautification and dense screening will be planted within the large setback areas (up to 60 ft.) along Villa de la Valle and Calzada del Bosque to help conceal the property structures from the road. Single story cottage structures with the lowest height will be built along the perimeter to further shield the two-story apartment building set deeply within the northern portion of the property.

What architectural style is being proposed for this property?

Silvergate RSF will be built in a beautiful yet sophisticated style reflecting the Spanish design aesthetic frequently seen within the Ranch and similar to the RSF golf club and the RSF Inn.

Will new residents mostly be from “The Ranch”?

While residents cannot be restricted to only seniors from the Ranch, the majority of residents will undoubtedly come from the immediate area (within 3 – 5 miles). Historically, most retirement communities, including all of Silvergate’s properties, have resident populations drawn from households within the communities in which they are located.

What types of amenities is Silvergate considering for this property?

As our newest flag-ship property development, Silvergate RSF will offer a multitude of new amenities for residents, including: Secured entrance with guard, a central club house with concierge, ballroom(s), pool, fitness center, health center, private nature trail, chipping green, fountains, on-site dining room, sport courts, game rooms, art/craft studios, salon, library, theater, meeting rooms, etc.).

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Resident and Family Voices

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This project makes excellent use of a long-idle property, ensuring current covenant members can remain in the community.
John S., RSF Covenant Resident since 1988
Silvergate transforms an eyesore into a well-run, family-owned community, boosting property values and serving the community. The Petree family are hands-on, responsible managers.
Bill J., RSF Covenant Resident
I’m writing to tell the Art Jurt, the Association and Silvergate that I am sincerely interested in having this project approved and completed. I put my name on the Wait List because I can see myself moving there in a few years.
Ellen G., RSF Covenant Resident
I want to live at Silvergate RSF to be in a vibrant community with my friends, stay close to the golf course and have access to exercise and art classes, onsite dining, and the many activities they’ll plan.
Margaret M., RSF Covenant Resident
Silvergate’s plans are unique in Southern California, with larger units, lower density, and quality design, providing a valuable amenity to the Ranch.
Pertti V., RSF Covenant Resident
As a long-time resident, I hope Silvergate allows us to stay in Rancho Santa Fe in a quality senior living community near friends and organizations I know.
Kathy S., RSF Covenant Resident for 40+ years
Silvergate RSF provides nearby downsizing options and benefits the community by revitalizing homes and supporting local homeowners. I strongly support this family-owned project.
Nancy W., RSF Covenant Resident for 34 years
Silvergate’s family ownership ensures continuity and a warm, friendly atmosphere, unlike large corporate communities. Exactly what the Ranch needs.
Jim B., Former President of RSF National Bank
My wife Kathy and I strongly support the Silvergate RSF project. It will allow long-term residents to stay, add a beautiful senior residence, and enhance Rancho Santa Fe. We hope it receives fair consideration reflecting the broader community.
Mark M., RSF Covenant Resident for 36+ years
I view Silvergate’s proposed project as a real asset to our community. We look forward to this much-needed addition to the Ranch and hope it is approved.
Wanda G.
Downsizing while remaining near friends in our community would be a fabulous long-term option. There are very limited choices for staying in the community we've called home for decades, and I hope Silvergate can change that.
Kathy M., RSF Covenant Resident for 30+ years
I admire the welcoming design of Silvergate and am in full support of bringing this added benefit to the Ranch.
Bill M., RSF Covenant Resident
My wife and I recommend approval of the Silvergate project without reservation. Staying in the Ranch is our best option, and this new community would be a win-win for both residents and the Association.
Mark S., RSF Covenant Resident
My husband and I want to downsize while staying close to home, friends, and community activities. Silvergate has planned exactly what we and many of our neighbors are looking for. Please support this incredible opportunity.
Fran J., RSF Covenant Resident
Thank you to the Art Jury and RSF Association Board for seriously considering the Silvergate project.
Michael C., RSF Covenant Resident since 1987
My home and love for Rancho Santa Fe is in my heart and soul. To be able to live out the last chapter of my life here in my happy place would be heaven!
Stacy S., RSF Covenant Resident for 35 years
Silvergate is exactly what our community needs. It will keep our aging members close while freeing up larger homes for other families.
Shelby S., RSF Covenant Resident since 1987
We need an effective alternative for senior living in the Ranch. For years, residents have had to find options away from the home we love, and this project solves that.
Ken W., RSF Covenant Resident since 1988
This project will allow seniors to downsize and stay in the community, remaining close to local spots we love, like Chino Farms.
Bill C., RSF Covenant Resident since 1991
Please, let’s go for it and approve this project. Time is precious.
Sandy Y., RSF Covenant Resident since 1986
I strongly support this development. It fills a critical need, allowing our aging population to stay in the community we love.
Peggy B., RSF Covenant Resident since 2000
We appreciate that Silvergate is family-owned rather than a corporation. It provides a much more personal, caring, and hands-on environment for its residents.
David W., RSF Covenant Resident since 1989
Silvergate proposes exactly what the Covenant sorely needs. It will allow us to continue an active, vital lifestyle in the beautiful community we have delighted in for decades.
Ellen and Don R., RSF Covenant Residents since 1991
You can count on the Petree family. They are long-time contributors to our community and will be here for the long haul.
Mark S., RSF Covenant Resident since 1992
Our neighborhood really needs a quality project like Silvergate—a place to go if and when we need it. We hope it’s approved!
John and Allegra E., RSF Covenant Residents since 1987
Rancho Santa Fe needs to accommodate our older citizens as lifespans increase. This project will do just that, while also freeing up current houses for the next generation.
Dennis and Kathy W., RSF Covenant Residents since 1984
A healthy community needs options for people to remain in Rancho Santa Fe as they age. We are missing that here, and Silvergate is a great option to fill that need!
John G., RSF Covenant Residents since 1997

Location

Located at the southwest entrance of Rancho Santa Fe at the cross streets of Calzada Del Bosque and Via de la Valle across from Chino Farms.

News & Project Updates

See more blogs

Art Jury Unanimously Approves Silvergate Rancho Santa Fe to Advance to Plan Review Phase

Latest Project Update For Silvergate Rancho Santa Fe

Understanding the Costs of Senior Living in San Diego County

Silvergate RSF Renderings Compilation

Video: Voices From the Ranch - Margaret Miller's POV

VIDEO: Project Support Pours In From Ranch Residents

Silvergate Galvanizes Support of Covenant Members In the Ranch

Community Outreach Ongoing for Silvergate Rancho Santa Fe Retirement Community

Silvergate Rancho Santa Fe Development Team Continues Outreach to Packed House

Silvergate Retirement Community Submits Initial Concept Plan to Rancho Santa Fe Association

Silvergate RSF Presents to Rancho Santa Fe Public Interest Community

Join the Interest List to Receive Project Updates

Be among the first to receive exclusive updates about Silvergate Rancho Santa Fe — from planning milestones to priority invitations and founding resident opportunities.
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