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490 Plaza Estival — San Clemente — 3 Beds • 3 Baths • 1,651 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+39 more

$1,099,000

18 DOM

$666/sqft3 bd3 ba1,651 sqftHOA ~450/mo

Call

490 Plaza Estival San Clemente, CA 92672

1,575sqft lot

Tucked within a quiet San Clemente neighborhood, 490 Plaza Estival offers an exceptional opportunity to enjoy coastal living with comfort, style, and convenience. This well-located home features a bright and functional floor plan with spacious living areas designed for everyday living and entertaining. Large windows fill the home with natural light, creating a warm and inviting atmosphere throughout. The newly remodeled kitchen opens to the main living space, providing a seamless flow ideal for gatherings with family and friends. Enjoy added value and peace of mind with a brand-new roof, offering durability, improved energy efficiency, and long-term protection for years to come. Generously sized bedrooms offer comfort, while the primary suite provides a peaceful retreat with a spacious balcony and two walk-in closets. The property also features an attached garage with direct access to the kitchen, offering everyday convenience and functionality. Step outside to a private outdoor area perfect for relaxing, dining, or enjoying San Clemente’s year-round “best climate in the world.” The property is ideally situated near beautiful beaches, parks, shopping, dining, and top local amenities, making it easy to enjoy the best of the San Clemente lifestyle. This wonderful gated community boasts a family-friendly cul-de-sac with grass and nature areas, along with a heated pool and spa, and tennis, pickleball, and basketball courts. Just a 5-minute drive to the beach, with the option to walk or bike. Whether you are looking for a full-time residence, vacation getaway, or investment opportunity, this home presents a fantastic opportunity to own in one of Southern California’s most desirable coastal communities.

MLS SW26056586

760-809-2940 (Office) csommergo@yahoo.com

Est. payment

$7,473/mo

Principal & interestTaxesInsuranceHOA

$5,557$1,145$321$450

Down %

Rate %

Years

Down payment: $219,800 · Total cost: $2,220,371

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$7,473/mo

Principal & interest: $5,557
Est. property tax: $1,145
Est. insurance: $321
HOA (normalized / mo): $450
Down payment: $219,800

Est. gross rent$4,579/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)$-2,894/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.