11872 Bernardo Terrace
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11872 Bernardo Terrace #A

D

Rancho Bernardo, CA 92128

$799,000
NEW — 2d

Soft Appraisal Value: $779,800 · 2.5% above estimate

Beds

3

Baths

2

Sqft

1,418

Year Built

1980

Days on Market

2

Property Type

Condo

HOA/mo

$660

MLS ID

260012673SD

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

About This Property

Set within the Rancho Bernardo Racquet Club community of San Diego, 11872 Bernardo Terrace Unit A is a single-level 3-bedroom, 2-bathroom home offering 1,481 square feet end-unit surrounded by mature landscaping and additional greenbelt space. Vaulted ceilings, abundant natural light, and a spacious patio create an easy indoor-outdoor lifestyle with a sense of comfort and privacy throughout. The living room is filled with warmth and character, featuring dramatic vaulted ceilings, a stained-glass accent window, plantation shutters, and a white-painted brick fireplace that creates a natural focal point for the space. Large sliding glass doors connect the dining area to the private patio, creating a seamless flow for entertaining or quiet mornings surrounded by greenery. The kitchen offers generous cabinetry, a functional layout, and a breakfast bar that opens to the main living spaces, while an adjacent built-in workspace adds flexibility for remote work, hobbies, or daily organization. The primary suite feels bright and peaceful with large windows and a spacious layout, while the secondary bedrooms provide flexibility for guests, office space, or additional living needs. Residents of Rancho Bernardo Racquet Club enjoy access to a community pool, spa, tennis and racquet courts, clubhouse, and beautifully maintained grounds, all within walking distance to Barons Market, coffee shops, restaurants, shopping, the library, and other everyday conveniences.

Mortgage Calculator

Est. Monthly Payment

$5,732

Principal & Interest$4,040
Property Tax$799
Insurance$233
HOA$660
%($159,800)
%

Location

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Investment Score

18D
Est. Monthly Rent
$3,486
Monthly Cashflow

Rent − PITIA

$-2,246
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,714

Mortgage (P+I)
$4,040
Cap Rate
0.49%
Cash-on-Cash
-27.89%
DSCR

Need ≥ 1.25 for DSCR loan

0.61
Break-even Rent
$8,309

NOI (Annual)
$3,917
Price-to-Rent

Lower = better for investors

19.1

* 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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