10978 Serafina Lane

10978 Serafina Lane

D

Rancho Bernardo, CA 92128

$649,000

Soft Appraisal Value: $648,100 · 0.1% above estimate

Beds

2

Baths

2

Sqft

1,092

Year Built

2004

Days on Market

100

Property Type

Condo

HOA/mo

$375

MLS ID

NDP2511528

Description

This stunning ground-level condo at 10978 Serafina Ln #69 is a rare find—it was originally the community's model home, offering premium finishes and an impeccably designed floor plan. Experience luxury from the moment you step inside with gorgeous, rich cherry hardwood floors extending throughout the main living areas, complemented by custom wood shutters on every window for light control and privacy. The open and inviting floor plan features a spacious living room with a cozy fireplace that flows seamlessly to a private patio, perfect for enjoying the San Diego indoor-outdoor lifestyle. The kitchen is both functional and beautiful, offering warm cabinetry, granite countertops, and breakfast counter seating. Located in the highly sought-after Savannah Terrace community, residents enjoy resort-style amenities including a sparkling pool, spa, sauna, steam room, gym, media room, library, barbecue areas, and tennis and racquetball courts. This exceptional location is within the boundaries of the highly-rated Poway Unified School District. Enjoy easy access to shopping, dining, parks, and freeway access in the desirable Sabre Springs neighborhood. This is an opportunity to own a perfectly appointed, move-in-ready model home in one of San Diego's best communities!

Mortgage Calculator

Est. Monthly Payment

$4,495

Principal & Interest$3,282
Property Tax$649
Insurance$189
HOA$375
%($129,800)
%

Investment Score

5D
Est. Monthly Rent
$3,336
Monthly Cashflow

Rent − PITI − HOA

$-1,159
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,467

Mortgage (P+I)
$3,282
Cap Rate
1.51%
Cash-on-Cash
-22.81%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.74
Break-even Rent
$6,540

NOI (Annual)
$9,779
Price-to-Rent

Lower = better for investors

16.2

* 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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