Score
0San Diego, CA
11218 Poblado Rd
850K
3 beds
3 baths
1,240 sqft
3 bd • 3 ba • 1,240 sf
This analysis was generated on 1/24/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
List Price
$850,000
Price/Sq.Ft
$685
Year Built
1971
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
This fully remodeled townhouse in San Diego offers exceptional value with its prime location and recent upgrades. Located in the highly-rated Poway Unified School District (PUSD), it boasts proximity to Westwood Elementary School (rated 8/10), enhancing its appeal for families. The property has undergone significant renovations, including new Milliard windows, sliding glass doors, plumbing, HVAC system, flooring, and a reimagined kitchen with new appliances. These upgrades, valued at an estimated $50,000-$70,000, substantially increase the property's value and reduce near-term maintenance costs. The home's price per square foot of $685.48 is competitive for the area, especially considering the recent renovations and desirable school district. The property's minimal flood risk (1/10) is significantly better than many San Diego areas, potentially leading to lower insurance costs. Community amenities such as a clubhouse, pool, tennis and pickleball courts, fitness center, and playground add considerable value, estimated at $100-$150 per month in comparable rental value. The property's appreciation from $615,000 in September 2024 to its current listing of $850,000 represents a 38.2% increase in just 4 months, indicating strong market demand and potential for further appreciation.
The Bad
At 1,240 square feet, the property is smaller than the average three-bedroom home in the area (typically 1,500-1,800 sq ft). This could limit its appeal for larger families or those requiring more space. The home's age (built in 1971) may mean that despite recent renovations, other major systems could require updates in the coming years. The estimated insurance cost of $3,060/year is relatively high, likely due to the fire risk, and represents about 0.36% of the property value annually. This is above the national average of 0.25-0.30%. The property has been on and off the market since August 2024, with price adjustments and a failed pending sale, which could indicate some challenges in closing deals or potential issues discovered during inspections. The rapid price increase of 38.2% in 4 months, while positive for sellers, may raise concerns about market stability and potential overvaluation.
The Ugly
The property faces a MAJOR fire risk (5/10), which is a significant concern in San Diego County. This high risk could lead to substantially increased insurance premiums and potential difficulties in obtaining comprehensive coverage. The heat risk is also MAJOR (5/10), with temperatures reaching 98°F in the 98th percentile and 7 hot days per year. This could result in higher cooling costs and potential health risks, especially for vulnerable populations. The moderate air quality risk (4/10) with 5 bad air days per year could be problematic for residents with respiratory issues. While not directly related to the property, the high median income of the area ($156,464) could lead to increased property taxes and a higher cost of living in general. The total monthly ownership costs, including mortgage (estimated at $4,500 for a 30-year fixed rate at current interest rates), property taxes (approximately $850/month based on a 1.2% rate), insurance ($255/month), and potential HOA fees (unknown, but likely $200-$400/month) could exceed $6,000 per month. This high cost of ownership may limit the pool of potential buyers and could pose challenges for long-term affordability.
Who is this property for?
These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.
Best For
This property is best suited for:
1. Upper-middle-class families with school-age children who prioritize education, given its location in the highly-rated Poway Unified School District.
2. Professionals or couples with a combined annual income of $200,000+ to comfortably afford the estimated $6,000+ monthly costs (based on a 36% debt-to-income ratio).
3. Buyers looking for a move-in ready home with recent upgrades, willing to pay a premium for updated features and finishes.
4. Those who value community amenities and are willing to pay HOA fees for access to facilities like pools, fitness centers, and tennis courts.
5. Investors looking for short-term appreciation in a rapidly growing market, with potential for strong rental income (estimated at $4,020/month for 3-bedroom units in the area).
Not For
This property is not suitable for:
1. First-time homebuyers or those with limited budgets, given the high purchase price and ongoing costs.
2. Larger families needing more than 1,240 sq ft of living space or more than 3 bedrooms.
3. Individuals with respiratory issues or sensitivities to heat, due to the moderate air quality risk and major heat risk.
4. Buyers uncomfortable with the elevated fire risk or unwilling to pay higher insurance premiums.
5. Those seeking a single-family home with more privacy or land.
6. Investors looking for low-risk, stable long-term appreciation, given the recent rapid price increase and market volatility.
Demographics
Area Median Income
$156,464
Property History
Price History
Ownership Timeline
$615,000Financed
Sep 9, 2024Jill Ann Curtiss, Betty J Curtiss TrusSan Diego Fix Flip Llc
Grant Deed
Non-Arm's Length Transactions
$0Cash Purchase
Apr 30, 2013Betty J Curtiss, The Curtiss Family TrustBetty J Curtiss, Betty J Curtiss Trust
Intrafamily Transfer
Non-Arm's Length Transactions
Property Taxes
$967
2024 Tax Assessment
2.2%from previous year
Assessed Value$81,705
Tax Rate1.18%
Sunlight Analysis
Visualize how sunlight affects this property throughout the day and year.
Sunlight Analysis
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Schools
Nearby school quality by education level
Middle
7.0/10
GoodHigh
9.0/10
ExcellentFinancials
Monthly Costs
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Location & Comparables
Subject Property
Comparable Sales
Subject Property
Price
$850,000
Price/sqft
$685
Layout
3 bd•3 ba
Days on market
15 daysat time of analysis
Stats in the Area
Based on 6 comparable properties nearby
Average Price
$667,317
27.4%
Your price is 27.4% above average
Median Price
$644,900
31.8%
Based on 6 recent sales
Price per Sq.Ft
$518
32.3%
Your price is 32.3% above average $/sqft
Comparable Properties
| Address | Price | Sq.Ft | Beds | Baths | $/Sq.Ft | Sale Date |
|---|---|---|---|---|---|---|
| 11218 Poblado Road, Rancho Bernardo, CA 92127 | $615,000 | 1,240 | 3 | 3 | $49627.6% | 8/20/2024 |
| 17865 Caminito Pinero #149, Rancho Bernardo, CA 92128 | $644,900 | 1,218 | 3 | 2 | $52922.8% | 10/17/2024 |
| 17885 Caminito Pinero #152, Rancho Bernardo, CA 92128 | $599,000 | 1,218 | 3 | 2 | $49228.3% | 9/18/2024 |
| 12043 Callado Rd, Rancho Bernardo, CA 92128 | $785,000 | 1,472 | 2 | 2 | $53322.2% | 11/13/2024 |
| 11471 Matinal Circle, San Diego, CA 92127 | $720,000 | 1,355 | 3 | 2 | $53122.5% | 8/31/2024 |
| 11830 Caminito Ronaldo #126, Rancho Bernardo, CA 92128 | $640,000 | 1,218 | 3 | 2 | $52523.3% | 8/1/2024 |
11218 Poblado Road, Rancho Bernardo, CA 92127
Price: $615,000
Sq.Ft: 1,240
Beds/Baths: 3/3
$/Sq.Ft:
$49627.6%
Sale Date: 8/20/2024
17865 Caminito Pinero #149, Rancho Bernardo, CA 92128
Price: $644,900
Sq.Ft: 1,218
Beds/Baths: 3/2
$/Sq.Ft:
$52922.8%
Sale Date: 10/17/2024
17885 Caminito Pinero #152, Rancho Bernardo, CA 92128
Price: $599,000
Sq.Ft: 1,218
Beds/Baths: 3/2
$/Sq.Ft:
$49228.3%
Sale Date: 9/18/2024
12043 Callado Rd, Rancho Bernardo, CA 92128
Price: $785,000
Sq.Ft: 1,472
Beds/Baths: 2/2
$/Sq.Ft:
$53322.2%
Sale Date: 11/13/2024
11471 Matinal Circle, San Diego, CA 92127
Price: $720,000
Sq.Ft: 1,355
Beds/Baths: 3/2
$/Sq.Ft:
$53122.5%
Sale Date: 8/31/2024
11830 Caminito Ronaldo #126, Rancho Bernardo, CA 92128
Price: $640,000
Sq.Ft: 1,218
Beds/Baths: 3/2
$/Sq.Ft:
$52523.3%
Sale Date: 8/1/2024
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