12496 Lomica Dr
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12496 Lomica Dr

C

Rancho Bernardo, CA 92128

$1,125,000
NEW — 5d

Soft Appraisal Value: $1,089,200 · 3.3% above estimate

Beds

2

Baths

2

Sqft

2,273

Year Built

1970

Days on Market

5

Property Type

Single Family

HOA/mo

$615

MLS ID

260015228SD

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

Virtual Tour

About This Property

Welcome to Seven Oaks—exceptional 55+ living at its finest. This beautifully updated single-story home seamlessly blends luxury, comfort, and an unbeatable location. Rare and extraordinary, this spacious 2,273 sq. ft. residence offers 2 generously sized bedrooms and 2 beautifully updated bathrooms. The light-filled, open-concept great room features a striking fireplace and expansive windows that showcase scenic mountain views throughout the home. A permitted enclosed patio room provides exceptional additional living space, perfect for dining, entertaining, crafting, a hobby room, or additional storage. The large open kitchen is designed for both everyday living and entertaining, offering granite countertops, newer appliances, an electric cooktop, double ovens, a wine refrigerator, and abundant cabinetry—all while enjoying beautiful mountain views. Just off the kitchen is a private enclosed office, ideally situated for working from home or managing daily tasks. The guest bathroom has been tastefully remodeled with new cabinetry, countertops, tile, and a walk-in shower with no steps for added accessibility. The spacious primary suite offers a peaceful retreat with ample closet space and a beautifully appointed ensuite bath. Additional highlights include an oversized indoor laundry room with built-in cabinetry, abundant storage throughout the home, and an oversized two-car garage complete with a workbench and extra storage space. Enjoy the low-maintenance lifestyle that Seven Oaks is known for. This highly desirable community offers a low HOA with an abundance of amenitie Welcome to Seven Oaks—exceptional 55+ living at its finest. This beautifully updated single-story home seamlessly blends luxury, comfort, and an unbeatable location. Rare and extraordinary, this spacious 2,273 sq. ft. residence offers 2 generously sized bedrooms and 2 beautifully updated bathrooms. The light-filled, open-concept great room features a striking fireplace and expansive windows that showcase scenic mountain views throughout the home. A permitted enclosed patio room provides exceptional additional living space, perfect for dining, entertaining, crafting, a hobby room, or additional storage. The large open kitchen is designed for both everyday living and entertaining, offering granite countertops, newer appliances, an electric cooktop, double ovens, a wine refrigerator, and abundant cabinetry—all while enjoying beautiful mountain views. Just off the kitchen is a private enclosed office, ideally situated for working from home or managing daily tasks. The guest bathroom has been tastefully remodeled with new cabinetry, countertops, tile, and a walk-in shower with no steps for added accessibility. The spacious primary suite offers a peaceful retreat with ample closet space and a beautifully appointed ensuite bath. Additional highlights include an oversized indoor laundry room with built-in cabinetry, abundant storage throughout the home, and an oversized two-car garage complete with a workbench and extra storage space. Enjoy the low-maintenance lifestyle that Seven Oaks is known for. This highly desirable community offers a low HOA with an abundance of amenities, clubs, and activities. Conveniently located just minutes from grocery stores, restaurants, the post office, medical services, and easy access to Highway 15, this exceptional home truly offers the perfect combination of comfort, convenience, and active living.

Mortgage Calculator

Est. Monthly Payment

$7,757

Principal & Interest$5,689
Property Tax$1,125
Insurance$328
HOA$615
%($225,000)
%

Location

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Investment Score

3D
Est. Monthly Rent
$4,218
Monthly Cashflow

Rent − PITIA

$-3,539
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,446

Mortgage (P+I)
$5,689
Cap Rate
0.26%
Cash-on-Cash
-29.05%
DSCR

Need ≥ 1.25 for DSCR loan

0.54
Break-even Rent
$11,291

NOI (Annual)
$2,908
Price-to-Rent

Lower = better for investors

22.2

* 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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