12578 Lomica Dr , San Diego, CA 92128
$1,095,000
Est. Payment: $5,529.43/mo
2 Bed
3 Bath
1779 Sqft
Status: pending | Days on site: 12
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Sweeping panoramic backyard views and seamless indoor-outdoor living define this beautiful single-story residence in the highly desirable Seven Oaks 55+ community in Rancho Bernardo. Extensively renovated in 2012, this exceptional light-filled home with an open floor plan offers the ideal setting for both everyday living and entertaining. Offering two bedrooms, two-and-a-half bathrooms, a dedicated laundry room, and a spacious kitchen, this home provides a versatile layout designed for comfort and connection. The kitchen features rich wood cabinetry, granite countertops, a large center island, stainless steel appliances, generous storage, and plenty of space for gathering with family and friends. The adjoining family room and oversized living room—with room for both casual dining and additional seating—create an expansive great room-style living space. A striking double-sided fireplace connects the living and family rooms, adding warmth and character while enhancing the home's open flow. Quality finishes include hand-scraped Acacia engineered wood flooring, Milgard windows, and custom upgrades throughout. The primary suite is a private retreat with direct backyard access, a custom walk-in closet organization system, and a beautifully appointed ensuite bath featuring an L-shaped dual-sink vanity, oversized walk-in shower with dual shower heads, and custom built-in cabinetry. The generously sized guest bedroom offers comfort and flexibility, while the guest bathroom features a tub/shower combination. An additional half bath adds extra convenience for visitors. The backyard is a true extension of the home, showcasing spectacular views, multiple sitting areas, raised garden boxes, and drought-tolerant landscaping. This private outdoor sanctuary is perfect for morning coffee, gardening, entertaining, or enjoying stunning sunsets in San Diego's year-round climate. Additional highlights include an owned solar system, an electric vehicle charging station, paver hardscaping on both the driveway and backyard patio, and an attached two-car garage. Residents enjoy membership to the Seven Oaks Community Center, offering resort-style amenities including a clubhouse, swimming pool, pickleball and tennis courts, fitness center, library, hobby classes, social clubs, and more. Located near Bernardo Winery, Rancho Bernardo Inn, golf courses, shopping, and dining, this exceptional home offers the perfect blend of comfort, convenience, and the active Southern California lifestyle that makes Rancho Bernardo so desirable.

Highlights

Listed by Jonathon Shea , 858-354-5103 Compass , 619-800-1928. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

HOA Fee

51.25 Monthly

Year Built

1972

County

San Diego

Area

92128 - Rancho Bernardo

Neighborhood

Rancho Bernardo

Listing ID

260017416SD

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Gas Cooking, Disposal, Microwave
Air Cond:Central Air
Fireplaces:Family Room,Living Room
Floor:Wood
Other:Bedroom on Main Level,Main Level Primary,Walk-In Closet(s)

Exterior Features

Lot:No Land Lease
Garage Capacity:4
Roof:Composition
Others:Stucco
Parking Features:Driveway
Principal Interest
$5,529
Taxes
$698
HOA
$51

Home Price

$1,095,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$219,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$5,529.43

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,529.43 $698.06 $51.25 $6,278.74
Yearly $66,353.14 $8,376.75 $615.00 $75,344.89
Total $1,990,594.33 $251,302.50 $18,450.00 $2,260,346.83

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (San Diego, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-08-10T22:37:46.000Z

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