17430 Plaza Otonal
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17430 Plaza Otonal

C

Rancho Bernardo, CA 92128

$625,000
NEW — 2d

Beds

3

Baths

2

Sqft

1,431

Year Built

1978

Days on Market

2

Property Type

Condo

HOA/mo

$530

MLS ID

260010272SD

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

About This Property

Welcome to easy, highly desirable 55+ community of Oaks North. This well-maintained 3-bedroom, 2-bath condo. Step out onto your private balcony and take in sweeping views of the Oaks North Golf Course, with rolling fairways stretching out below and picturesque mountains in the distance. Inside, the home features a lovely refresh with new tile flooring and carpet, creating a light, neutral palette that feels bright and inviting throughout. All three bedrooms are generously sized, offering flexibility for guests, a home office, or hobbies. Comfort is top of mind with ceiling fans in every room and a newer HVAC system for year-round efficiency. Enjoy the added convenience of a stairlift for easy access, along with a detached 1-car garage and ample guest parking. Located just a short way away to the Oaks North Golf Course and clubhouse, this home places you at the heart of the community. Residents have access to an array of amenities including pickleball courts, a sparkling pool and spa, fitness center, and art and ceramics studio. For leisure, you’re also just a stroll from Bernardo Winery—perfect for an afternoon of wine tasting—as well as nearby walking and hiking trails. HOA dues include water, sewer, trash, cable TV, and internet, making for truly low-maintenance living. Don’t miss the opportunity to enjoy scenic views.

Mortgage Calculator

Est. Monthly Payment

$4,498

Principal & Interest$3,160
Property Tax$625
Insurance$182
HOA$530
%($125,000)
%

Location

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Investment Score

43C
Est. Monthly Rent
$3,438
Monthly Cashflow

Rent − PITIA

$-1,059
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,371

Mortgage (P+I)
$3,160
Cap Rate
1.52%
Cash-on-Cash
-22.76%
DSCR

Need ≥ 1.25 for DSCR loan

0.76
Break-even Rent
$6,517

NOI (Annual)
$9,473
Price-to-Rent

Lower = better for investors

15.1

* 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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