16866 Acebo Drive
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16866 Acebo Drive

C

Rancho Bernardo, CA 92128

$1,099,000

Soft Appraisal Value: $1,077,800 · 2.0% above estimate

Beds

4

Baths

2

Sqft

2,208

Year Built

1964

Days on Market

128

Property Type

Single Family

HOA/mo

$610

MLS ID

NDP2601623

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

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About This Property

Price reduced to $1,099,000. Welcome to one of the most spacious single-story homes in the desirable 55+ Seven Oaks community. With 2,208 sq ft, this well-maintained residence offers four bedrooms plus a sunroom and two bathrooms—providing flexibility for everyday living, guests, or hobbies. The home is filled with natural light and features ceiling fans in every room. The primary suite includes a dual-sided fireplace, spa-style bathroom, and large walk-in closet. The kitchen is equipped with stainless steel appliances, and a separate indoor laundry room adds everyday convenience. Additional highlights include owned solar for energy efficiency and a finished two car garage with epoxy flooring. The backyard is spacious and low-maintenance, with mountain views, a covered patio, and an air-conditioned sunroom ideal for year-round enjoyment. Seven Oaks residents enjoy access to a wide range of amenities, including a pool, spa, pickleball courts, clubs, and social activities. Conveniently located near shopping, dining, Bernardo Winery, Oaks North Golf Course, and easy access to I-15. Low HOA fee and no Mello-Roos. With its generous layout, thoughtful features, and excellent value, this home is a standout opportunity in Seven Oaks.

Mortgage Calculator

Est. Monthly Payment

$7,587

Principal & Interest$5,557
Property Tax$1,099
Insurance$321
HOA$610
%($219,800)
%

Location

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Investment Score

8D
Est. Monthly Rent
$4,686
Monthly Cashflow

Rent − PITIA

$-2,901
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,895

Mortgage (P+I)
$5,557
Cap Rate
0.72%
Cash-on-Cash
-26.72%
DSCR

Need ≥ 1.25 for DSCR loan

0.62
Break-even Rent
$11,043

NOI (Annual)
$7,949
Price-to-Rent

Lower = better for investors

19.5

* 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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