12916 Polvera Ave

12916 Polvera Ave

D

Rancho Bernardo, CA 92128

$2,595,000

Soft Appraisal Value: $2,498,600 · 3.9% above estimate

Beds

5

Baths

3.5

Sqft

5,467

Year Built

1990

Days on Market

54

Property Type

Single Family

HOA/mo

$858

MLS ID

PTP2601052

Description

EXCEPTIONAL ESTATE OPPORTUNITY IN RANCHO BERNARDO’S MOST EXCLUSIVE ENCLAVE, THE TRAILS. POSITIONED ON A PREMIER 1.16-ACRE PRIVATE CORNER LOT, THIS EXPANSIVE RESIDENCE OFFERS REMARKABLE PRIVACY, PANORAMIC VIEWS, AND THE FOUNDATION FOR TRUE RESORT-STYLE LIVING. SPANNING 5,467 SQUARE FEET, THE HOME FEATURES 6 BEDROOMS AND 3.5 BATHROOMS WITH A LAYOUT DESIGNED FOR GRAND-SCALE ENTERTAINING AND EVERYDAY ELEGANCE. SOARING 20FT WOOD BEAM CEILINGS, MULTIPLE FORMAL AND CASUAL LIVING SPACES, AND WALLS OF WINDOWS CREATE AN ABUNDANCE OF NATURAL LIGHT WHILE FRAMING THE STUNNING SURROUNDINGS AND SEAMLESS INDOOR-OUTDOOR FLOW. FOUR FIREPLACES THROUGHOUT THE HOME ADD WARMTH, CHARACTER, AND ARCHITECTURAL INTEREST. THE ENTERTAINER’S KITCHEN ANCHORS THE HOME WITH GRANITE COUNTERTOPS, A CENTER ISLAND, WALK-IN PANTRY, AND GENEROUS COUNTERTOP SEATING, OPENING TO THE FAMILY ROOM AND AN EXPANSIVE APPROXIMATELY 1,000 SQUARE FEET OF TREX DECKING IDEAL FOR HOSTING OR UNWINDING WHILE TAKING IN THE BREATHTAKING VIEWS. A WET BAR IN THE FAMILY ROOM FURTHER ENHANCES THE HOME’S ENTERTAINMENT APPEAL. THE SPACIOUS PRIMARY SUITE IS A PRIVATE SANCTUARY, OFFERING TWO PRIVATE TERRACES, A SEPARATE DRESSING AREA, AND AN OVERSIZED CEDAR-LINED WALK-IN CLOSET, CREATING A TRUE RETREAT WITHIN THE HOME. THE LOWER LEVEL PROVIDES ADDITIONAL FLEXIBLE LIVING SPACE WITH A BONUS ROOM WITH THE OPTION TO BE AN ADDITIONAL BEDROOM, ALONG WITH A BEDROOM FEATURING A WALK-IN CLOSET AND A FULL BATHROOM. THIS LEVEL OFFERS BOTH INTERIOR AND EXTERIOR ACCESS, MAKING IT IDEAL FOR GUESTS, OR FUTURE CUSTOMIZATION. THE FULLY FENCED BACKYARD IS A TRUE HIGHLIGHT, FEATURING A PARK-LIKE YARD WITH LUSH LANDSCAPING, MAJESTIC MATURE TREES, A SPECTACULAR DIVING POOL, LUXURIOUS SPA, AND A LARGE FIREPIT—CREATING AN EXCEPTIONAL SETTING FOR BOTH RELAXATION AND ELEVATED ENTERTAINING. THE PROPERTY OFFERS POTENTIAL FOR MANY OPTIONS, IN ADDITION TO THE EXISTING DOWNSTAIRS LOWER-LEVEL LIVING AREA, PROVIDING LONG-TERM FLEXIBILITY AND VALUE. ADDITIONAL FEATURES INCLUDE A 3-CAR ATTACHED GARAGE WITH DIRECT ACCESS, AN ELEGANT CIRCULAR DRIVEWAY OFFERING ABUNDANT ADDITIONAL PARKING, INDOOR LAUNDRY, AND A COMPREHENSIVE SECURITY SYSTEM FOR PEACE OF MIND. THIS IS A RARE OPPORTUNITY TO CREATE A CUSTOM ESTATE IN ONE OF RANCHO BERNARDO’S MOST COVETED NEIGHBORHOODS—WHERE SCALE, PRIVACY, VIEWS, AND TIMELESS POTENTIAL CONVERGE.

Mortgage Calculator

Est. Monthly Payment

$17,332

Principal & Interest$13,122
Property Tax$2,595
Insurance$757
HOA$858
%($519,000)
%

Investment Score

0D
Est. Monthly Rent
$7,918
Monthly Cashflow

Rent − PITIA

$-9,414
Full Cashflow

Incl. vacancy, PM, maint, capex

$-13,397

Mortgage (P+I)
$13,122
Cap Rate
-0.13%
Cash-on-Cash
-30.98%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.46
Break-even Rent
$25,317

NOI (Annual)
$-3,308
Price-to-Rent

Lower = better for investors

27.3

* 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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