11911 Lomica Drive

11911 Lomica Drive

D

Rancho Bernardo, CA 92128

$945,000

Soft Appraisal Value: $934,600 · 1.1% above estimate

Beds

3

Baths

3

Sqft

2,002

Year Built

1965

Days on Market

11

Property Type

Single Family

HOA/mo

$51

MLS ID

260006964SD

Description

Charming with timeless appeal, this beautifully maintained 3-bedroom, 3-bath home offers 2,002 sq.ft. of thoughtfully designed living space in the sought-after Seven Oaks community of Rancho Bernardo. A long private driveway sets the tone, leading to a home that blends classic layout with inviting comfort. The floor plan is well-balanced, featuring a spacious primary suite tucked toward the rear and two additional bedrooms at the front, including one with its own ensuite. The carpet-free interior showcases a refined mix of tile and plank flooring, complemented by a warm, vintage-inspired aesthetic. The light-filled kitchen with bar seating opens to an expanded great room anchored by a cozy refurbished fireplace, ideal for everyday living and entertaining. A skylight and abundant windows enhance the bright, welcoming ambiance throughout. Outdoors, enjoy a private, garden-like backyard with seasonal fruit trees, lush, low-maintenance landscaping, a covered patio, and a charming flagstone entertaining area. The front yard features drought-conscious rock landscaping for added ease and curb appeal. As well, this property features a newly installed roof. Residents of Seven Oaks enjoy access to a community center with pool, spa, tennis courts, fitness center, and a variety of social clubs and activities. Scenic mountain views welcome you as you enter the neighborhood. Conveniently located near shopping, dining, the post office, and with easy freeway access.

Mortgage Calculator

Est. Monthly Payment

$6,050

Principal & Interest$4,778
Property Tax$945
Insurance$276
HOA$51
%($189,000)
%

Investment Score

5D
Est. Monthly Rent
$4,421
Monthly Cashflow

Rent − PITIA

$-1,629
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,434

Mortgage (P+I)
$4,778
Cap Rate
1.71%
Cash-on-Cash
-21.80%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.73
Break-even Rent
$8,880

NOI (Annual)
$16,136
Price-to-Rent

Lower = better for investors

17.8

* 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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