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11 Patina Lane — Ladera Ranch — 4 Beds • 4 Baths • 3,071 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+34 more

$2,375,000

17 DOM

$773/sqft4 bd4 ba3,071 sqftHOA ~348/mo

Call

11 Patina Ln Ladera Ranch, CA 92694

6,474sqft lot

Completely renovated 3-bedroom home with optional 4th bedroom/oft, plus a detached 1-bedroom casita (Next Gen living), offering approximately 3,071 square feet on a 6,474 square foot corner lot in Ladera Ranch. Corner lot • Wrap-around porch • Solar-equipped • Move-in ready with extensive renovations. Designed for flexibility, the main residence features 3 bedrooms, 2.5 baths, and a spacious loft that can easily convert to a 4th bedroom. The separate casita includes a full bath and private HVAC, ideal for guests, extended stays, a home office, or income potential. Extensively upgraded throughout, the home offers a new roof, all new PEX plumbing, updated electrical with new panel, and EV charger readiness, creating a turn-key experience comparable to newer construction. Interior highlights include engineered wood flooring, quartz countertops, custom lighting, and a stacked stone fireplace. The kitchen is equipped with a KitchenAid 5-burner gas cooktop, Maytag fingerprint-resistant dishwasher, and a Vikio range hood. Outdoor living includes a wrap-around covered porch, built-in BBQ, and outdoor fireplace. Solar panels provide energy efficiency and long-term savings. Located within walking distance to Oso Grande Elementary, parks, water park, and trails, with shopping and dining just minutes away. Enjoy access to Ladera Ranch amenities including pools, clubhouses, parks, and recreation areas.

MLS OC26053002

619-248-6434 (Office) pattigregoryrealestate@gmail.com

Est. payment

$15,524/mo

Principal & interestTaxesInsuranceHOA

$12,009$2,474$693$348

Down %

Rate %

Years

Down payment: $475,000 · Total cost: $4,798,345

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$15,524/mo

Principal & interest: $12,009
Est. property tax: $2,474
Est. insurance: $693
HOA (normalized / mo): $348
Down payment: $475,000

Est. gross rent$9,896/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-5,628/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.