17444 Plaza Otonal

17444 Plaza Otonal

D

Rancho Bernardo, CA 92128

$565,000

Beds

2

Baths

2

Sqft

1,431

Year Built

1978

Days on Market

13

Property Type

Condo

HOA/mo

$530

MLS ID

260004472SD

Description

Discover exceptional Rancho Bernardo living in this beautifully maintained 2-bedroom, 2-bath condo in the highly desirable Oaks North 55+ active adult community. Spanning approximately 1,431 square feet, this light and bright home has been thoughtfully updated with fresh interior paint, brand new carpet, and stylish laminate flooring that enhance its welcoming, move-in-ready appeal. Wake up to panoramic mountain and greenbelt views, and enjoy seamless indoor-outdoor living from your private patio designed to soak in San Diego’s classic weather and tranquil setting. This coveted community delivers a true resort lifestyle with clubhouse amenities, swimming pool and spa, tennis courts, pickleball, walking trails, and abundant greenbelt space right outside your door. Discover exceptional Rancho Bernardo living in this beautifully maintained 2-bedroom, 2-bath condo in the highly desirable Oaks North 55+ active adult community. Spanning approximately 1,431 square feet, this light and bright home has been thoughtfully updated with fresh interior paint, brand new carpet, and stylish laminate flooring that enhance its welcoming, move-in-ready appeal. Wake up to panoramic mountain and greenbelt views, and enjoy seamless indoor-outdoor living from your private patio designed to soak in San Diego’s classic weather and tranquil setting. This coveted community delivers a true resort lifestyle with clubhouse amenities, swimming pool and spa, tennis courts, pickleball, walking trails, and abundant greenbelt space right outside your door. Located just minutes from the Rancho Bernardo Winery, championship golf courses, local dining, boutique shopping, and quick access to I-15, this home blends relaxed comfort with convenience. Whether you’re enjoying social activities with neighbors or relaxing with quiet views, this residence embodies the best of active adult living in a premier North County San Diego neighborhood.

Mortgage Calculator

Est. Monthly Payment

$4,117

Principal & Interest$2,857
Property Tax$565
Insurance$165
HOA$530
%($113,000)
%

Investment Score

9D
Est. Monthly Rent
$3,094
Monthly Cashflow

Rent − PITI − HOA

$-1,023
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,205

Mortgage (P+I)
$2,857
Cap Rate
1.38%
Cash-on-Cash
-10.86%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.75
Break-even Rent
$4,117

NOI (Annual)
$7,819
Price-to-Rent

Lower = better for investors

15.2

* 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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