10954 Cool Lake
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10954 Cool Lake

D

Rancho Bernardo, CA 92128

$1,345,000

Soft Appraisal Value: $1,328,900 · 1.2% above estimate

Beds

4

Baths

2.5

Sqft

1,933

Year Built

1986

Days on Market

60

Property Type

Single Family

HOA/mo

$50

MLS ID

SW26038957

This property is in Rancho Bernardo (92128). View neighborhood stats →

About This Property

Huge Price Reduction!!! Welcome to this beautifully upgraded 4-bedroom, 2.5-bath residence in the highly desirable Sabre Springs community where prime location, everyday comfort, and thoughtful improvements come together effortlessly.Step inside to a bright, open floor plan featuring two spacious living areas, a formal dining room, and continuous hard-surface flooring that enhances both style and durability. The remodeled kitchen is the heart of the home, showcasing timeless shaker cabinetry, expansive quartz countertops, a center island, and updated lighting perfect for both daily living and seamless entertaining, newly installed fence.Over the past year, significant upgrades have enhanced both function and peace of mind. New tile flooring was installed downstairs, while the upstairs features durable vinyl flooring added just a few years ago. Major system improvements include fully rerouted plumbing (relocated from beneath the slab into the walls and ceiling), a newer water heater (approximately three years old), updated microwave and garbage disposal, refreshed bathroom vanities and shower fixtures, and a new washer and dryer. The balcony has been extensively rebuilt, roof maintenance has been completed, and much of the backyard deck has been replaced and freshly painted—providing long-term value and reliability.Outdoors, the home continues to impress with a low-maintenance front yard and an expansive backyard featuring mature fruit trees—ideal for relaxing or entertaining. Additional highlights include a two-car garage and a convenient location near scenic trails, shopping, dining, churches, and the MTS Sabre Springs/Penasquitos Transit Station.Located within the acclaimed Poway Unified School District, this home offers generous living space, meaningful upgrades, and an exceptional opportunity in one of San Diego’s most sought-after neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$8,588

Principal & Interest$6,801
Property Tax$1,345
Insurance$392
HOA$50
%($269,000)
%

Location

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Investment Score

8D
Est. Monthly Rent
$4,964
Monthly Cashflow

Rent − PITIA

$-3,624
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,887

Mortgage (P+I)
$6,801
Cap Rate
0.82%
Cash-on-Cash
-26.26%
DSCR

Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$12,609

NOI (Annual)
$10,973
Price-to-Rent

Lower = better for investors

22.6

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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