17976 Sencillo Lane
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17976 Sencillo Lane

C

Rancho Bernardo, CA 92128

$2,179,000

Soft Appraisal Value: $2,091,700 · 4.2% above estimate

Beds

4

Baths

4

Sqft

2,893

Year Built

1973

Days on Market

47

Property Type

Single Family

HOA/mo

N/A

MLS ID

260010998SD

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

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About This Property

A front-row seat on the fairway with the flexibility today's buyers are searching for. Tucked on a quiet cul-de-sac with sweeping golf course views, this fully updated residence offers a rare opportunity to own not only a beautifully remodeled home, but also a fully permitted 1-bedroom, 1-bath ADU with its own entrance, separate utilities, tankless water heater, full kitchen, laundry room, and private living space. Whether you're accommodating extended family, creating a private guest retreat, housing a caregiver, or exploring rental income potential, this ADU adds tremendous value and versatility. The main home features 3 bedrooms and 3 baths, with every detail thoughtfully reimagined. From dual-pane windows and Hunter Douglas window coverings to insulated copper plumbing and a new HVAC system, the upgrades go far beyond the surface. At the heart of the home is a showstopping kitchen featuring Wolf, Miele, and Sub-Zero appliances in a bold red finish that creates a striking, elevated aesthetic. The game room/enclosed patio with wet bar and seamless flow to the outdoor entertaining spaces makes hosting family and friends effortless. Step outside and enjoy expansive fairway views, mountain vistas, and outdoor living designed to be enjoyed from sunrise to sunset. Located within the award-winning Poway Unified School District and close to shopping, dining, and everyday conveniences, this property offers a unique blend of luxury, flexibility, and long-term value in one of Rancho Bernardo's most sought-after communities. This is more than a home...it's a lifestyle upgrade. Extensively upgraded and thoughtfully improved, this property showcases significant investment in both infrastructure and design. Major system upgrades include all new electrical and copper plumbing, upgraded to 400 amps total (200 amps per unit), new A/C and furnace, tankless water heater, whole-house filtration system, and improved insulation throughout. The fireplace has been professionally reconstructed, and both the interior and exterior have been refreshed with quality finishes, including solid core doors and knotty alder exterior doors. In addition to the construction of the fully permitted ADU, the property features two retaining walls, extensive concrete work surrounding the home, wheelchair-accessible ramps, and iron gates and fencing. The residence offers two gourmet kitchens, spa-inspired bathrooms, a steam shower, and a cast-iron bathtub. European-style cabinetry and high-end finishes create a true chef’s and entertainer’s environment. The home has been updated over time, including bathroom renovations, kitchen remodel, roof improvements, and exterior enhancements. All improvements have been completed with permits. Hunter Douglas Duolite blackout blinds have been installed throughout. The newly built ADU (2024) includes its own gas and electric service, 200-amp panel, full insulation, instant hot water, porcelain tile baseboards, and flexibility for gas or electric kitchen and laundry. The water line is currently shared, with the option to add a separate meter. The property also features all new landscaping and a 25-year roof warranty on the ADU. The property has been assigned two addresses: 17976 for the main residence and 17978 for the ADU, offering flexibility for multigenerational living or rental income potential, while maintaining the option to keep both units together.

Mortgage Calculator

Est. Monthly Payment

$13,833

Principal & Interest$11,018
Property Tax$2,179
Insurance$636
%($435,800)
%

Location

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Investment Score

0D
Est. Monthly Rent
$5,919
Monthly Cashflow

Rent − PITIA

$-7,914
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,091

Mortgage (P+I)
$11,018
Cap Rate
-0.04%
Cash-on-Cash
-30.54%
DSCR

Need ≥ 1.25 for DSCR loan

0.43
Break-even Rent
$20,323

NOI (Annual)
$-878
Price-to-Rent

Lower = better for investors

30.7

* 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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