16413 Roca Dr

16413 Roca Dr

D

Rancho Bernardo, CA 92128

$935,000

Soft Appraisal Value: $922,000 · 1.4% above estimate

Beds

2

Baths

2

Sqft

1,402

Year Built

1965

Days on Market

76

Property Type

Single Family

HOA/mo

$42

MLS ID

260001400SD

Description

Welcome to this stunning, newly remodeled home in the highly desirable 55+ Seven Oaks community! This beautifully upgraded residence features a contemporary open-concept design with designer finishes throughout, allowing natural light to flow freely and maximizing the home's full potential—including breathtaking mountain views from both inside and outside. Offering over 1,400 sq ft of thoughtfully redesigned living space, this home includes an additional versatile room, ideal for a home office, den, or creative studio. The spacious 6,400 sq ft lot is adorned with drought-tolerant landscaping and features a charming outdoor patio perfect for relaxing or entertaining while taking in serene views of the surrounding hills. Residents of Seven Oaks enjoy resort-style amenities such as a heated swimming pool, large clubhouse with auditorium, pickleball and shuffleboard courts, meeting and game rooms, fitness center, library, card room, and fully equipped ceramics and woodworking shops. Ideally located close to shopping, dining, and just under 10 minutes to the 15 freeway, this move-in-ready gem offers the perfect blend of style, comfort, and community. And with fully paid solar, you can enjoy energy efficiency from day one!

Mortgage Calculator

Est. Monthly Payment

$5,978

Principal & Interest$4,728
Property Tax$935
Insurance$273
HOA$42
%($187,000)
%

Investment Score

2D
Est. Monthly Rent
$3,366
Monthly Cashflow

Rent − PITIA

$-2,612
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,165

Mortgage (P+I)
$4,728
Cap Rate
0.72%
Cash-on-Cash
-26.73%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$8,775

NOI (Annual)
$6,752
Price-to-Rent

Lower = better for investors

23.1

* 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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