28622 Point Loma, Laguna Niguel, CA 92677 | For Sale

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  • 28622 Point Loma

28622 Point Loma

Laguna Niguel, CA, 92677

For Sale $3,100,000 ($786.80 per Sq Ft)

$3,100,000 ($786.80 per Sq Ft)
  • ☆☆☆☆☆★★★★★
    Five Stars
  • (0)
  • 4 Bedrooms
  • 4 Bathrooms
  • 3,940 Sq Ft
  • 5,991 Sq Ft

Description

Stunning Updated View private cul-de-sac home in Exclusive Hillcrest Estates. This beautifully updated two-story home offers breathtaking panoramic views and the ultimate in luxury living. Custom landscaping and an elegant exterior entry create a striking first impression. Upon entry, you are greeted by a spacious foyer featuring a sweeping spiral staircase and marble inlay flooring, leading into the elegant formal living room with a cozy fireplace and abundant natural light seamlessly flowing into the stunning kitchen. The gourmet kitchen is a true highlight, featuring brand-new quartz countertops, gray-tone wood cabinetry, updated stainless steel appliances, and an eat-in kitchen area—all with sweeping views of the surrounding mountains, hills, and city lights. The main floor also includes a secondary primary suite with a full bathroom, a spacious laundry room, and a formal dining room. A showstopper feature is the impressive 710 sq ft of living space in a permitted connoisseur’s wine cellar and tasting room—an entertainer's dream. Upstairs, the magnificent primary suite including a vast walk-in closet, spa-like master bath is designed for ultimate relaxation, featuring a deep soaking tub, a luxurious walk-in shower with custom tile surrounds, and balcony which provides spectacular views. The second floor also includes two spacious bedrooms, sharing a well-appointed Jack-and-Jill bathroom and a game room that could be used as a 5th bedroom. Additional features throughout the home include all new floors with new engineered wood flooring on the staircase, recessed lighting, custom paint, central vacuum system, new water softener, re-piped, build-in shoes cabinets, ceiling fans, and solar panels. The low-maintenance backyard is featuring an in-ground spa with waterfalls, a custom 42" built-in BBQ, a kegerator, bar, fireplace, and string lights—creating a perfect setting for evening gatherings. Located in the heart of Laguna Niguel, This home is just minutes away from shopping, entertainment centers, top-rated schools, and offers easy access to freeways, world-renowned beaches, hiking, biking trails, and nature sanctuaries.

  • 28622 Point Loma
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Amenities

Garage
Pool
Garden
Security System
Internet
Telephone
Heating
Fireplace
Balcony & Patio
TV / Cable
Laundry
Hardwood Floors
Spa
Air Conditioning
Solar Power
Floor Plan
Great Views
Natural Light
Quiet
Water View
Elevator
Guest Unit(s)
Furnished
220 Volt

Income

Rental Units


The income description goes here to explain

Expenses

Property Details

List Price $3,100,000
Property Type Single Family Homes
Usable Sqft 3,940
Number of Stories 2 stories
Parking Spots 2 spots
Year Built 1998
Last Sold Unknown
Sold Price Unknown
HOA Fees: $330
Association Name: Hillcrest Estates
Association Amenities: Controlled Access,Trail(s)
APN # 63903509
MLS # OC25028797
Property ID 321290093
Lot Sqft 5,991
Zoning Unknown
Total Units 1
Days on Market 69
Original List Price $3,100,000
Applicances Double Oven,Dishwasher,Disposal,Gas Oven,Gas Range,Microwave,Water Softener,Water Purifier,Dryer,Washer%
Date Updated April 04, 2025
Date Created February 06, 2025

Mortgage Center

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CanvasJS.com
Your payment
$21,843
per month
CanvasJS.com
Estimated payment $21,843 /mo
Loan amount $3,100,000
Down payment $0
Interest rate 7.5%
Loan term 30 years
Taxes & insurance included? YES
Property tax 1.2%/YR
Homeowner's insurance $67/mo
HOA dues $0/mo

Payment Breakdown

CanvasJS.com
Your payment
$21,843
per month

Amortization

CanvasJS.com

Principal vs. interest

CanvasJS.com

Amortization Schedule

Over 360 months you will spend $4,702,888 in interest.
MONTH PRINCIPAL & INTEREST PRINCIPAL INTEREST PRINCIPAL REMAINING
1 $21,676 $2,301 $19,375 $3,097,699
2 $21,676 $2,315 $19,361 $3,095,384
3 $21,676 $2,330 $19,346 $3,093,054
4 $21,676 $2,344 $19,332 $3,090,709
5 $21,676 $2,359 $19,317 $3,088,350
6 $21,676 $2,374 $19,302 $3,085,976
7 $21,676 $2,389 $19,287 $3,083,588
8 $21,676 $2,404 $19,272 $3,081,184
9 $21,676 $2,419 $19,257 $3,078,766
10 $21,676 $2,434 $19,242 $3,076,332
11 $21,676 $2,449 $19,227 $3,073,883
12 $21,676 $2,464 $19,212 $3,071,419
13 $21,676 $2,480 $19,196 $3,068,939
14 $21,676 $2,495 $19,181 $3,066,444
15 $21,676 $2,511 $19,165 $3,063,933
16 $21,676 $2,526 $19,150 $3,061,407
17 $21,676 $2,542 $19,134 $3,058,865
18 $21,676 $2,558 $19,118 $3,056,307
19 $21,676 $2,574 $19,102 $3,053,732
20 $21,676 $2,590 $19,086 $3,051,142
21 $21,676 $2,606 $19,070 $3,048,536
22 $21,676 $2,623 $19,053 $3,045,913
23 $21,676 $2,639 $19,037 $3,043,274
24 $21,676 $2,656 $19,020 $3,040,619
25 $21,676 $2,672 $19,004 $3,037,947
26 $21,676 $2,689 $18,987 $3,035,258
27 $21,676 $2,706 $18,970 $3,032,552
28 $21,676 $2,723 $18,953 $3,029,830
29 $21,676 $2,740 $18,936 $3,027,090
30 $21,676 $2,757 $18,919 $3,024,333
31 $21,676 $2,774 $18,902 $3,021,559
32 $21,676 $2,791 $18,885 $3,018,768
33 $21,676 $2,809 $18,867 $3,015,959
34 $21,676 $2,826 $18,850 $3,013,133
35 $21,676 $2,844 $18,832 $3,010,289
36 $21,676 $2,862 $18,814 $3,007,428
37 $21,676 $2,880 $18,796 $3,004,548
38 $21,676 $2,898 $18,778 $3,001,650
39 $21,676 $2,916 $18,760 $2,998,735
40 $21,676 $2,934 $18,742 $2,995,801
41 $21,676 $2,952 $18,724 $2,992,849
42 $21,676 $2,971 $18,705 $2,989,878
43 $21,676 $2,989 $18,687 $2,986,889
44 $21,676 $3,008 $18,668 $2,983,881
45 $21,676 $3,027 $18,649 $2,980,854
46 $21,676 $3,046 $18,630 $2,977,808
47 $21,676 $3,065 $18,611 $2,974,744
48 $21,676 $3,084 $18,592 $2,971,660
49 $21,676 $3,103 $18,573 $2,968,557
50 $21,676 $3,123 $18,553 $2,965,434
51 $21,676 $3,142 $18,534 $2,962,292
52 $21,676 $3,162 $18,514 $2,959,130
53 $21,676 $3,181 $18,495 $2,955,949
54 $21,676 $3,201 $18,475 $2,952,748
55 $21,676 $3,221 $18,455 $2,949,526
56 $21,676 $3,241 $18,435 $2,946,285
57 $21,676 $3,262 $18,414 $2,943,023
58 $21,676 $3,282 $18,394 $2,939,741
59 $21,676 $3,303 $18,373 $2,936,438
60 $21,676 $3,323 $18,353 $2,933,115
61 $21,676 $3,344 $18,332 $2,929,771
62 $21,676 $3,365 $18,311 $2,926,406
63 $21,676 $3,386 $18,290 $2,923,020
64 $21,676 $3,407 $18,269 $2,919,613
65 $21,676 $3,428 $18,248 $2,916,185
66 $21,676 $3,450 $18,226 $2,912,735
67 $21,676 $3,471 $18,205 $2,909,263
68 $21,676 $3,493 $18,183 $2,905,770
69 $21,676 $3,515 $18,161 $2,902,255
70 $21,676 $3,537 $18,139 $2,898,718
71 $21,676 $3,559 $18,117 $2,895,159
72 $21,676 $3,581 $18,095 $2,891,578
73 $21,676 $3,604 $18,072 $2,887,975
74 $21,676 $3,626 $18,050 $2,884,348
75 $21,676 $3,649 $18,027 $2,880,700
76 $21,676 $3,672 $18,004 $2,877,028
77 $21,676 $3,695 $17,981 $2,873,333
78 $21,676 $3,718 $17,958 $2,869,616
79 $21,676 $3,741 $17,935 $2,865,875
80 $21,676 $3,764 $17,912 $2,862,111
81 $21,676 $3,788 $17,888 $2,858,323
82 $21,676 $3,811 $17,865 $2,854,511
83 $21,676 $3,835 $17,841 $2,850,676
84 $21,676 $3,859 $17,817 $2,846,817
85 $21,676 $3,883 $17,793 $2,842,933
86 $21,676 $3,908 $17,768 $2,839,026
87 $21,676 $3,932 $17,744 $2,835,093
88 $21,676 $3,957 $17,719 $2,831,137
89 $21,676 $3,981 $17,695 $2,827,155
90 $21,676 $4,006 $17,670 $2,823,149
91 $21,676 $4,031 $17,645 $2,819,118
92 $21,676 $4,057 $17,619 $2,815,061
93 $21,676 $4,082 $17,594 $2,810,979
94 $21,676 $4,107 $17,569 $2,806,872
95 $21,676 $4,133 $17,543 $2,802,739
96 $21,676 $4,159 $17,517 $2,798,580
97 $21,676 $4,185 $17,491 $2,794,395
98 $21,676 $4,211 $17,465 $2,790,184
99 $21,676 $4,237 $17,439 $2,785,947
100 $21,676 $4,264 $17,412 $2,781,683
101 $21,676 $4,290 $17,386 $2,777,393
102 $21,676 $4,317 $17,359 $2,773,075
103 $21,676 $4,344 $17,332 $2,768,731
104 $21,676 $4,371 $17,305 $2,764,360
105 $21,676 $4,399 $17,277 $2,759,961
106 $21,676 $4,426 $17,250 $2,755,535
107 $21,676 $4,454 $17,222 $2,751,081
108 $21,676 $4,482 $17,194 $2,746,599
109 $21,676 $4,510 $17,166 $2,742,089
110 $21,676 $4,538 $17,138 $2,737,551
111 $21,676 $4,566 $17,110 $2,732,985
112 $21,676 $4,595 $17,081 $2,728,390
113 $21,676 $4,624 $17,052 $2,723,767
114 $21,676 $4,652 $17,024 $2,719,114
115 $21,676 $4,682 $16,994 $2,714,433
116 $21,676 $4,711 $16,965 $2,709,722
117 $21,676 $4,740 $16,936 $2,704,981
118 $21,676 $4,770 $16,906 $2,700,212
119 $21,676 $4,800 $16,876 $2,695,412
120 $21,676 $4,830 $16,846 $2,690,582
121 $21,676 $4,860 $16,816 $2,685,722
122 $21,676 $4,890 $16,786 $2,680,832
123 $21,676 $4,921 $16,755 $2,675,911
124 $21,676 $4,952 $16,724 $2,670,960
125 $21,676 $4,983 $16,694 $2,665,977
126 $21,676 $5,014 $16,662 $2,660,964
127 $21,676 $5,045 $16,631 $2,655,919
128 $21,676 $5,077 $16,599 $2,650,842
129 $21,676 $5,108 $16,568 $2,645,734
130 $21,676 $5,140 $16,536 $2,640,594
131 $21,676 $5,172 $16,504 $2,635,421
132 $21,676 $5,205 $16,471 $2,630,217
133 $21,676 $5,237 $16,439 $2,624,980
134 $21,676 $5,270 $16,406 $2,619,710
135 $21,676 $5,303 $16,373 $2,614,407
136 $21,676 $5,336 $16,340 $2,609,071
137 $21,676 $5,369 $16,307 $2,603,702
138 $21,676 $5,403 $16,273 $2,598,299
139 $21,676 $5,437 $16,239 $2,592,862
140 $21,676 $5,471 $16,205 $2,587,392
141 $21,676 $5,505 $16,171 $2,581,887
142 $21,676 $5,539 $16,137 $2,576,348
143 $21,676 $5,574 $16,102 $2,570,774
144 $21,676 $5,609 $16,067 $2,565,165
145 $21,676 $5,644 $16,032 $2,559,521
146 $21,676 $5,679 $15,997 $2,553,842
147 $21,676 $5,714 $15,962 $2,548,128
148 $21,676 $5,750 $15,926 $2,542,378
149 $21,676 $5,786 $15,890 $2,536,592
150 $21,676 $5,822 $15,854 $2,530,769
151 $21,676 $5,859 $15,817 $2,524,911
152 $21,676 $5,895 $15,781 $2,519,015
153 $21,676 $5,932 $15,744 $2,513,083
154 $21,676 $5,969 $15,707 $2,507,114
155 $21,676 $6,007 $15,669 $2,501,107
156 $21,676 $6,044 $15,632 $2,495,063
157 $21,676 $6,082 $15,594 $2,488,981
158 $21,676 $6,120 $15,556 $2,482,862
159 $21,676 $6,158 $15,518 $2,476,704
160 $21,676 $6,197 $15,479 $2,470,507
161 $21,676 $6,235 $15,441 $2,464,272
162 $21,676 $6,274 $15,402 $2,457,997
163 $21,676 $6,314 $15,362 $2,451,684
164 $21,676 $6,353 $15,323 $2,445,331
165 $21,676 $6,393 $15,283 $2,438,938
166 $21,676 $6,433 $15,243 $2,432,505
167 $21,676 $6,473 $15,203 $2,426,033
168 $21,676 $6,513 $15,163 $2,419,519
169 $21,676 $6,554 $15,122 $2,412,965
170 $21,676 $6,595 $15,081 $2,406,370
171 $21,676 $6,636 $15,040 $2,399,734
172 $21,676 $6,678 $14,998 $2,393,056
173 $21,676 $6,719 $14,957 $2,386,337
174 $21,676 $6,761 $14,915 $2,379,576
175 $21,676 $6,804 $14,872 $2,372,772
176 $21,676 $6,846 $14,830 $2,365,926
177 $21,676 $6,889 $14,787 $2,359,037
178 $21,676 $6,932 $14,744 $2,352,105
179 $21,676 $6,975 $14,701 $2,345,130
180 $21,676 $7,019 $14,657 $2,338,111
181 $21,676 $7,063 $14,613 $2,331,048
182 $21,676 $7,107 $14,569 $2,323,941
183 $21,676 $7,151 $14,525 $2,316,789
184 $21,676 $7,196 $14,480 $2,309,593
185 $21,676 $7,241 $14,435 $2,302,352
186 $21,676 $7,286 $14,390 $2,295,066
187 $21,676 $7,332 $14,344 $2,287,734
188 $21,676 $7,378 $14,298 $2,280,357
189 $21,676 $7,424 $14,252 $2,272,933
190 $21,676 $7,470 $14,206 $2,265,463
191 $21,676 $7,517 $14,159 $2,257,946
192 $21,676 $7,564 $14,112 $2,250,382
193 $21,676 $7,611 $14,065 $2,242,771
194 $21,676 $7,659 $14,017 $2,235,112
195 $21,676 $7,707 $13,969 $2,227,406
196 $21,676 $7,755 $13,921 $2,219,651
197 $21,676 $7,803 $13,873 $2,211,848
198 $21,676 $7,852 $13,824 $2,203,996
199 $21,676 $7,901 $13,775 $2,196,095
200 $21,676 $7,950 $13,726 $2,188,144
201 $21,676 $8,000 $13,676 $2,180,144
202 $21,676 $8,050 $13,626 $2,172,094
203 $21,676 $8,100 $13,576 $2,163,994
204 $21,676 $8,151 $13,525 $2,155,843
205 $21,676 $8,202 $13,474 $2,147,641
206 $21,676 $8,253 $13,423 $2,139,387
207 $21,676 $8,305 $13,371 $2,131,083
208 $21,676 $8,357 $13,319 $2,122,726
209 $21,676 $8,409 $13,267 $2,114,317
210 $21,676 $8,462 $13,214 $2,105,855
211 $21,676 $8,514 $13,162 $2,097,341
212 $21,676 $8,568 $13,108 $2,088,773
213 $21,676 $8,621 $13,055 $2,080,152
214 $21,676 $8,675 $13,001 $2,071,477
215 $21,676 $8,729 $12,947 $2,062,748
216 $21,676 $8,784 $12,892 $2,053,964
217 $21,676 $8,839 $12,837 $2,045,125
218 $21,676 $8,894 $12,782 $2,036,231
219 $21,676 $8,950 $12,726 $2,027,282
220 $21,676 $9,005 $12,671 $2,018,276
221 $21,676 $9,062 $12,614 $2,009,215
222 $21,676 $9,118 $12,558 $2,000,096
223 $21,676 $9,175 $12,501 $1,990,921
224 $21,676 $9,233 $12,443 $1,981,688
225 $21,676 $9,290 $12,386 $1,972,398
226 $21,676 $9,349 $12,327 $1,963,049
227 $21,676 $9,407 $12,269 $1,953,642
228 $21,676 $9,466 $12,210 $1,944,176
229 $21,676 $9,525 $12,151 $1,934,651
230 $21,676 $9,584 $12,092 $1,925,067
231 $21,676 $9,644 $12,032 $1,915,423
232 $21,676 $9,705 $11,971 $1,905,718
233 $21,676 $9,765 $11,911 $1,895,953
234 $21,676 $9,826 $11,850 $1,886,127
235 $21,676 $9,888 $11,788 $1,876,239
236 $21,676 $9,950 $11,726 $1,866,289
237 $21,676 $10,012 $11,664 $1,856,278
238 $21,676 $10,074 $11,602 $1,846,203
239 $21,676 $10,137 $11,539 $1,836,066
240 $21,676 $10,201 $11,475 $1,825,866
241 $21,676 $10,264 $11,412 $1,815,601
242 $21,676 $10,328 $11,348 $1,805,273
243 $21,676 $10,393 $11,283 $1,794,880
244 $21,676 $10,458 $11,218 $1,784,422
245 $21,676 $10,523 $11,153 $1,773,898
246 $21,676 $10,589 $11,087 $1,763,309
247 $21,676 $10,655 $11,021 $1,752,654
248 $21,676 $10,722 $10,954 $1,741,932
249 $21,676 $10,789 $10,887 $1,731,143
250 $21,676 $10,856 $10,820 $1,720,287
251 $21,676 $10,924 $10,752 $1,709,362
252 $21,676 $10,992 $10,684 $1,698,370
253 $21,676 $11,061 $10,615 $1,687,309
254 $21,676 $11,130 $10,546 $1,676,178
255 $21,676 $11,200 $10,476 $1,664,979
256 $21,676 $11,270 $10,406 $1,653,709
257 $21,676 $11,340 $10,336 $1,642,368
258 $21,676 $11,411 $10,265 $1,630,957
259 $21,676 $11,483 $10,193 $1,619,475
260 $21,676 $11,554 $10,122 $1,607,920
261 $21,676 $11,627 $10,050 $1,596,294
262 $21,676 $11,699 $9,977 $1,584,595
263 $21,676 $11,772 $9,904 $1,572,822
264 $21,676 $11,846 $9,830 $1,560,977
265 $21,676 $11,920 $9,756 $1,549,057
266 $21,676 $11,994 $9,682 $1,537,062
267 $21,676 $12,069 $9,607 $1,524,993
268 $21,676 $12,145 $9,531 $1,512,848
269 $21,676 $12,221 $9,455 $1,500,627
270 $21,676 $12,297 $9,379 $1,488,330
271 $21,676 $12,374 $9,302 $1,475,956
272 $21,676 $12,451 $9,225 $1,463,505
273 $21,676 $12,529 $9,147 $1,450,976
274 $21,676 $12,607 $9,069 $1,438,369
275 $21,676 $12,686 $8,990 $1,425,682
276 $21,676 $12,765 $8,911 $1,412,917
277 $21,676 $12,845 $8,831 $1,400,072
278 $21,676 $12,926 $8,750 $1,387,146
279 $21,676 $13,006 $8,670 $1,374,140
280 $21,676 $13,088 $8,588 $1,361,052
281 $21,676 $13,169 $8,507 $1,347,883
282 $21,676 $13,252 $8,424 $1,334,631
283 $21,676 $13,335 $8,341 $1,321,296
284 $21,676 $13,418 $8,258 $1,307,879
285 $21,676 $13,502 $8,174 $1,294,377
286 $21,676 $13,586 $8,090 $1,280,791
287 $21,676 $13,671 $8,005 $1,267,120
288 $21,676 $13,757 $7,920 $1,253,363
289 $21,676 $13,842 $7,834 $1,239,521
290 $21,676 $13,929 $7,747 $1,225,592
291 $21,676 $14,016 $7,660 $1,211,576
292 $21,676 $14,104 $7,572 $1,197,472
293 $21,676 $14,192 $7,484 $1,183,280
294 $21,676 $14,281 $7,396 $1,169,000
295 $21,676 $14,370 $7,306 $1,154,630
296 $21,676 $14,460 $7,216 $1,140,170
297 $21,676 $14,550 $7,126 $1,125,620
298 $21,676 $14,641 $7,035 $1,110,979
299 $21,676 $14,732 $6,944 $1,096,247
300 $21,676 $14,824 $6,852 $1,081,423
301 $21,676 $14,917 $6,759 $1,066,506
302 $21,676 $15,010 $6,666 $1,051,495
303 $21,676 $15,104 $6,572 $1,036,391
304 $21,676 $15,199 $6,477 $1,021,192
305 $21,676 $15,294 $6,382 $1,005,899
306 $21,676 $15,389 $6,287 $990,510
307 $21,676 $15,485 $6,191 $975,024
308 $21,676 $15,582 $6,094 $959,442
309 $21,676 $15,679 $5,997 $943,763
310 $21,676 $15,777 $5,899 $927,985
311 $21,676 $15,876 $5,800 $912,109
312 $21,676 $15,975 $5,701 $896,134
313 $21,676 $16,075 $5,601 $880,059
314 $21,676 $16,176 $5,500 $863,883
315 $21,676 $16,277 $5,399 $847,606
316 $21,676 $16,378 $5,298 $831,228
317 $21,676 $16,481 $5,195 $814,747
318 $21,676 $16,584 $5,092 $798,163
319 $21,676 $16,687 $4,989 $781,476
320 $21,676 $16,792 $4,884 $764,684
321 $21,676 $16,897 $4,779 $747,787
322 $21,676 $17,002 $4,674 $730,785
323 $21,676 $17,109 $4,567 $713,676
324 $21,676 $17,216 $4,460 $696,461
325 $21,676 $17,323 $4,353 $679,138
326 $21,676 $17,431 $4,245 $661,706
327 $21,676 $17,540 $4,136 $644,166
328 $21,676 $17,650 $4,026 $626,516
329 $21,676 $17,760 $3,916 $608,756
330 $21,676 $17,871 $3,805 $590,885
331 $21,676 $17,983 $3,693 $572,902
332 $21,676 $18,095 $3,581 $554,806
333 $21,676 $18,208 $3,468 $536,598
334 $21,676 $18,322 $3,354 $518,276
335 $21,676 $18,437 $3,239 $499,839
336 $21,676 $18,552 $3,124 $481,287
337 $21,676 $18,668 $3,008 $462,619
338 $21,676 $18,785 $2,891 $443,834
339 $21,676 $18,902 $2,774 $424,932
340 $21,676 $19,020 $2,656 $405,912
341 $21,676 $19,139 $2,537 $386,773
342 $21,676 $19,259 $2,417 $367,514
343 $21,676 $19,379 $2,297 $348,135
344 $21,676 $19,500 $2,176 $328,635
345 $21,676 $19,622 $2,054 $309,013
346 $21,676 $19,745 $1,931 $289,268
347 $21,676 $19,868 $1,808 $269,400
348 $21,676 $19,992 $1,684 $249,408
349 $21,676 $20,117 $1,559 $229,291
350 $21,676 $20,243 $1,433 $209,048
351 $21,676 $20,369 $1,307 $188,678
352 $21,676 $20,497 $1,179 $168,182
353 $21,676 $20,625 $1,051 $147,557
354 $21,676 $20,754 $922 $126,803
355 $21,676 $20,883 $793 $105,920
356 $21,676 $21,014 $662 $84,906
357 $21,676 $21,145 $531 $63,760
358 $21,676 $21,278 $399 $42,483
359 $21,676 $21,410 $266 $21,072
360 $21,676 $21,544 $132 $0


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Elham Faraz an agent of . Lic #02225914


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