17031 Bernardo Center Drive
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17031 Bernardo Center Drive

C

Rancho Bernardo, CA 92128

$630,000

Soft Appraisal Value: $622,100 · 1.3% above estimate

Beds

2

Baths

2

Sqft

1,126

Year Built

1970

Days on Market

48

Property Type

Condo

HOA/mo

$425

MLS ID

PTP2602707

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

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About This Property

A rare gem in the heart of Rancho Bernardo! Nestled in a charming Mission-style enclave, this beautifully remodeled 2-bed, 2-bath home offers exceptional privacy with no neighbors on either side. The light-filled interior features an expansive open layout, a designer kitchen with abundant natural light, upgraded finishes, and direct access to a private patio perfect for indoor-outdoor living and entertaining. Additional highlights include a dedicated golf cart garage, full-sized laundry, and thoughtful touches throughout. Enjoy low-maintenance living with the feel of a single-family home and the perks of the Rancho Bernardo Swim & Tennis Club nearby the Bernardo Villas community--including water, cable TV, trash, and high-speed internet--all covered by the low HOA fee. Just a short stroll to shopping, dining, and everyday essentials, this is the ideal blend of convenience, comfort, and style. Whether you're moving up from a condo or simplifying your lifestyle, this turnkey retreat is ready to welcome you home. Located in the vibrant heart of Rancho Bernardo, Bernardo Villas offers the perfect blend of charm, convenience, and community.

Mortgage Calculator

Est. Monthly Payment

$4,424

Principal & Interest$3,186
Property Tax$630
Insurance$184
HOA$425
%($126,000)
%

Location

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Investment Score

34C
Est. Monthly Rent
$2,989
Monthly Cashflow

Rent − PITIA

$-1,436
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,648

Mortgage (P+I)
$3,186
Cap Rate
1.02%
Cash-on-Cash
-25.22%
DSCR

Need ≥ 1.25 for DSCR loan

0.68
Break-even Rent
$6,428

NOI (Annual)
$6,450
Price-to-Rent

Lower = better for investors

17.6

* 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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