San Diego
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San Diego

B

Rancho Bernardo, CA 92128

$825,000

Soft Appraisal Value: $801,700 · 2.9% above estimate

Beds

2

Baths

2

Sqft

1,450

Year Built

1969

Days on Market

106

Property Type

Single Family

HOA/mo

N/A

MLS ID

260006908SD

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

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About This Property

Seven Oaks, Zero Regrets! Resort-style living in this 55+ community. Oak-kay, Now This Feels Like Home in this inviting 2 bedroom, 2 bathroom house featuring soaring cathedral ceilings and a thoughtfully designed layout with a formal living room with gas fireplace, dining room, and separate family room. No "popcorn" ceilings, fresh paint (2026), and a new backyard fence. The updated kitchen (2024) is perfect for everyday enjoyment and casual entertaining, while the spacious backyard creates a private outdoor retreat complete with a charming gazebo. This home also features a gas fireplace and whole-house water filtration system. The Good Life Has an Oak Address! Located in the Seven Oaks 55+ Community -designed for an active, social, and "resort" lifestyle. Residents enjoy access to the Seven Oaks Community Center, offering an impressive array of amenities including: Swimming pool and spa, Fitness center and exercise classes, Pickleball, lawn bowling, and shuffleboard, Woodworking shop, ceramics studio, and arts & crafts rooms, Library, auditorium, and meeting rooms, Numerous clubs, social activities, and community events and more! The $651 fee listed is an annual fee for the Community Center all access. Agents see Conf. Remarks.

Mortgage Calculator

Est. Monthly Payment

$5,237

Principal & Interest$4,172
Property Tax$825
Insurance$241
%($165,000)
%

Location

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Investment Score

39C
Est. Monthly Rent
$3,817
Monthly Cashflow

Rent − PITIA

$-1,421
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,986

Mortgage (P+I)
$4,172
Cap Rate
1.72%
Cash-on-Cash
-21.72%
DSCR

Need ≥ 1.25 for DSCR loan

0.73
Break-even Rent
$7,695

NOI (Annual)
$14,227
Price-to-Rent

Lower = better for investors

18.0

* 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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