17539 Cumana Terrace
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17539 Cumana Terrace

D

Rancho Bernardo, CA 92128

$1,080,000
NEW — 5d

Soft Appraisal Value: $1,047,400 · 3.1% above estimate

Beds

2

Baths

2

Sqft

1,350

Year Built

1981

Days on Market

5

Property Type

Single Family

HOA/mo

$595

MLS ID

260012294SD

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

Virtual Tour

About This Property

Welcome to 17539 Cumana Terrace, a beautifully refreshed single-level residence in the highly sought-after Oaks North 55+ community of Rancho Bernardo. Ideally located just half a block from the historic Bernardo Winery, this home offers an exceptional blend of modern comfort, convenience, and lifestyle in one of North County San Diego’s most established golf course communities. Thoughtfully updated and move-in ready, the home features fresh interior paint, stylish new flooring, newly painted cabinetry, updated ceiling fans, and a bright, inviting floor plan. Major recent improvements add tremendous long-term value and peace of mind, including a brand new HVAC system installed in Nov 2025 and new roofing underlayment completed in 2026 beneath the tile roof, a significant upgrade rarely found. The location is truly special, with Bernardo Winery just steps away for easy access to wine tasting, dining, live entertainment, artisan shops, farmers markets, and year-round community events. Residents also enjoy access to an impressive collection of recreational amenities, including a clubhouse, swimming pool, fitness center, tennis and pickleball courts, hobby rooms, game rooms, social clubs, and the nearby Oaks North Golf Course. This is an outstanding opportunity to enjoy low-maintenance living, thoughtful upgrades, and one of Rancho Bernardo’s most desirable lifestyle-oriented communities. Welcome to 17539 Cumana Terrace, a beautifully refreshed single-level residence in the highly sought-after Oaks North 55+ community of Rancho Bernardo. Ideally located just half a block from the historic Bernardo Winery, this home offers an exceptional blend of modern comfort, convenience, and lifestyle in one of North County San Diego’s most established golf course communities. Thoughtfully updated and move-in ready, the home features fresh interior paint, stylish new flooring, newly painted cabinetry, updated ceiling fans, and a bright, inviting floor plan. Major recent improvements add tremendous long-term value and peace of mind, including a brand new HVAC system installed in Nov 2025 and new roofing underlayment completed in 2026 beneath the tile roof, a significant upgrade rarely found. The location is truly special, with Bernardo Winery just steps away for easy access to wine tasting, dining, live entertainment, artisan shops, farmers markets, and year-round community events. Residents also enjoy access to an impressive collection of recreational amenities, including a clubhouse, swimming pool, fitness center, tennis and pickleball courts, hobby rooms, game rooms, social clubs, and the nearby Oaks North Golf Course. This is an outstanding opportunity to enjoy low-maintenance living, thoughtful upgrades, and one of Rancho Bernardo’s most desirable lifestyle-oriented communities.

Mortgage Calculator

Est. Monthly Payment

$7,451

Principal & Interest$5,461
Property Tax$1,080
Insurance$315
HOA$595
%($216,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$3,457
Monthly Cashflow

Rent − PITIA

$-3,994
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,689

Mortgage (P+I)
$5,461
Cap Rate
-0.25%
Cash-on-Cash
-31.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.46
Break-even Rent
$10,846

NOI (Annual)
$-2,737
Price-to-Rent

Lower = better for investors

26.0

* 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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