17018 Patina

17018 Patina

D

4S Ranch, CA 92127

$2,148,888
NEW — 5d on market

Soft Appraisal Value: $2,106,700 · 2.0% above estimate

Beds

4

Baths

3.5

Sqft

3,732

Year Built

2004

Days on Market

5

Property Type

Single Family

HOA/mo

$150

MLS ID

260006767SD

Description

Beautifully maintained 4BD/3.5BA, 3,732 sq ft home on a cul-de-sac street in the gated community of Bernardo Point. One of just 8 custom homes in the neighborhood! Features incl a spacious 1st bdrm w/en-suite bath, versatile bonus room, loft & solar. Primary suite offers a large walk-in closet & a separate sitting area. Freshly painted interior w/recessed LED lighting & new fixtures throughout most of home. Enjoy an entertainer’s backyard w/pool & spa; pool heater & pump replaced in '24. No Mello-Roos & low HOA. Welcome to this wonderfully appointed, turn-key home! The main level features a highly desirable ensuite bedroom, ideal for guests or multigenerational living, along with a convenient powder room. At the heart of the home is a spacious chef’s kitchen, complete with a large center island, abundant storage, and seamless flow into the inviting family room. Formal living and dining areas, plus a versatile bonus room, provide plenty of space for both everyday living and entertaining. Upstairs, a spacious loft provides flexible living space and includes access to a private balcony to take in sunset views. The expansive primary suite offers a true retreat, featuring a private sitting area with a cozy fireplace, a balcony with stunning mountain views, and a spa-inspired bathroom. Two additional bedrooms share a well-designed Jack-and-Jill bath, each with its own private sink. Additional highlights include leased solar, fresh interior paint, and a 3-car garage with new epoxy flooring in the 2-car portion. Best of all, there are no Mello-Roos fees. Bernardo Point is located close to freeways, schools, shopping & restaurants!

Mortgage Calculator

Est. Monthly Payment

$13,792

Principal & Interest$10,866
Property Tax$2,149
Insurance$627
HOA$150
%($429,778)
%

Investment Score

2D
Est. Monthly Rent
$7,907
Monthly Cashflow

Rent − PITI − HOA

$-5,885
Full Cashflow

Incl. vacancy, PM, maint, capex

$-9,494

Mortgage (P+I)
$10,866
Cap Rate
0.77%
Cash-on-Cash
-26.51%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.57
Break-even Rent
$20,237

NOI (Annual)
$16,461
Price-to-Rent

Lower = better for investors

22.6

* 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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