16174 Mesto Drive
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16174 Mesto Drive

C

Rancho Bernardo, CA 92128

$979,000
NEW — 1d

Beds

3

Baths

2

Sqft

1,614

Year Built

1970

Days on Market

1

Property Type

Single Family

HOA/mo

$51

MLS ID

260009941SD

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

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About This Property

Welcome to 16174 Mesto Drive, ideally situated on a quiet cul-de-sac in the highly desirable Rancho Bernardo area of San Diego within the sought-after 55+ Seven Oaks community. This charming 3-bedroom, 2-bathroom home offers 1,614 square feet of thoughtfully designed living space on a private, expansive 0.26-acre lot with lush, mature landscaping. A welcoming double door entry opens to a light-filled interior featuring a spacious living room with a cozy fireplace and a formal dining area, while the kitchen offers abundant storage, a generous pantry, and a convenient pass-through counter—perfect for effortless indoor-outdoor entertaining, whether hosting a BBQ or enjoying relaxed evenings outside. The oversized lot provides a peaceful, private retreat, complemented by a spacious driveway for added convenience. Residents enjoy access to the Seven Oaks Community Center with its pool, spa, fitness center, and social activities, along with optional membership to the Rancho Bernardo Swim and Tennis Club offering additional swimming and tennis amenities, all just moments from golf, shopping, dining, and freeway access—delivering the perfect blend of comfort, lifestyle, and location.

Mortgage Calculator

Est. Monthly Payment

$6,266

Principal & Interest$4,950
Property Tax$979
Insurance$286
HOA$51
%($195,800)
%

Location

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Investment Score

30C
Est. Monthly Rent
$4,404
Monthly Cashflow

Rent − PITIA

$-1,862
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,691

Mortgage (P+I)
$4,950
Cap Rate
1.54%
Cash-on-Cash
-22.62%
DSCR

Need ≥ 1.25 for DSCR loan

0.70
Break-even Rent
$9,198

NOI (Annual)
$15,111
Price-to-Rent

Lower = better for investors

18.5

* 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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