11124 Provencal Pl.
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11124 Provencal Pl.

C

Rancho Bernardo, CA 92128

$785,000
NEW — 0d

Beds

2

Baths

2

Sqft

1,002

Year Built

1994

Days on Market

0

Property Type

Townhouse

HOA/mo

$415

MLS ID

260014272SD

This property is in Rancho Bernardo (92128). View neighborhood stats →

About This Property

Welcome to 11124 Provencal Place, the rare home that truly has it all. Located within a desirable gated community in Carmel Mountain Ranch, this extensively upgraded residence showcases exceptional pride of ownership throughout and offers the perfect blend of style, comfort, and convenience. Thoughtfully renovated and meticulously maintained, buyers can move right in and enjoy modern finishes, quality improvements, and low-maintenance living from day one. Vaulted ceilings and abundant natural light create an open, airy atmosphere, while luxury vinyl plank flooring and upgraded carpet—both backed by a lifetime warranty—provide beauty and peace of mind. The remodeled kitchen and bathrooms showcase contemporary finishes, and the home is equipped with a full suite of Samsung appliances, including a black stainless steel Samsung stackable washer and dryer. Major system upgrades include a new Rheem water heater (2024), a new HVAC system with all new ductwork (2024), a Nest thermostat, and dual-pane windows throughout for enhanced energy efficiency and year-round comfort. Step outside to the private balcony and enjoy peaceful views, the perfect setting for morning coffee or evening relaxation. Additional highlights include ample garage storage, a one-car garage plus an assigned carport space, and the security and amenities of a gated community. Ideally situated directly across the street from the Carmel Mountain Ranch/Sabre Springs Recreation Center and Community Park, the home also enjoys convenient access to the community pool, spa, and BBQ area, making it easy to take advantage of the area's outstanding recreational amenities. With extensive upgrades, undeniable pride of ownership, and a truly move-in-ready condition, this exceptional home offers an outstanding opportunity to enjoy the best of Carmel Mountain Ranch living.

Mortgage Calculator

Est. Monthly Payment

$5,398

Principal & Interest$3,969
Property Tax$785
Insurance$229
HOA$415
%($157,000)
%

Location

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Investment Score

16D
Est. Monthly Rent
$2,991
Monthly Cashflow

Rent − PITIA

$-2,407
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,749

Mortgage (P+I)
$3,969
Cap Rate
0.34%
Cash-on-Cash
-28.66%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$7,860

NOI (Annual)
$2,639
Price-to-Rent

Lower = better for investors

21.9

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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