12487 Lomica
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12487 Lomica

C

Rancho Bernardo, CA 92128

$979,999
NEW — 0d

Soft Appraisal Value: $954,400 · 2.7% above estimate

Beds

2

Baths

2

Sqft

1,439

Year Built

1969

Days on Market

0

Property Type

Single Family

HOA/mo

$615

MLS ID

SW26140690

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

Virtual Tour

About This Property

Welcome to effortless living in the highly sought-after Seven Oaks 55+ community of Rancho Bernardo. Thoughtfully reimagined from top to bottom, this beautifully renovated single story residence offers the perfect blend of modern design, everyday comfort, and energy efficiency. Featuring 2 bedrooms, 2 full bathrooms, and 1,439 square feet of meticulously updated living space, this home welcomes you with an open, light-filled floor plan, luxury woodgrain flooring throughout, and a warm, contemporary aesthetic that feels both inviting and timeless. Every inch of the home has been thoughtfully renovated with high-end finishes, creating a truly move-in-ready experience. At the heart of the home is the stunning designer kitchen, featuring new quartz countertops with a dramatic waterfall-edge, stainless steel appliances, and ample workspace for cooking and entertaining. The open-concept layout flows seamlessly into the spacious living and dining areas, making it ideal for both everyday living and hosting family and friends. The generous primary suite offers a peaceful retreat with a beautifully renovated ensuite bathroom, while the secondary bedroom and full bath provide comfortable accommodations for guests or the perfect home office. Step outside to enjoy the 0.17-acre lot, offering plenty of room to relax, garden, or create your own private outdoor oasis. Adding tremendous value are 16 fully paid-off solar panels, providing exceptional energy efficiency and long-term savings. Residents of Seven Hills enjoy an active and welcoming 55+ lifestyle with nearby golf, parks, shopping, restaurants, medical facilities, and convenient freeway access. Combining designer finishes, paid solar, a spacious homesite, and one of Rancho Bernardo's most desirable active-adult communities, this exceptional home is ready for its next chapter.

Mortgage Calculator

Est. Monthly Payment

$6,836

Principal & Interest$4,955
Property Tax$980
Insurance$286
HOA$615
%($196,000)
%

Location

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Investment Score

7D
Est. Monthly Rent
$3,872
Monthly Cashflow

Rent − PITIA

$-2,964
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,672

Mortgage (P+I)
$4,955
Cap Rate
0.35%
Cash-on-Cash
-28.60%
DSCR

Need ≥ 1.25 for DSCR loan

0.57
Break-even Rent
$9,939

NOI (Annual)
$3,405
Price-to-Rent

Lower = better for investors

21.1

* 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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