11903 Owen Lane Lot 9
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11903 Owen Lane Lot 9

C

Rancho Bernardo, CA 92128

$840,000
NEW — 2d

Beds

2

Baths

2.5

Sqft

1,250

Year Built

2024

Days on Market

2

Property Type

Townhouse

HOA/mo

$261

MLS ID

260016905SD

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

About This Property

Welcome to 11903 Owen Lane, a highly upgraded former model townhome in the desirable Clementine neighborhood within master planned community of The Trails in Carmel Mountain. This beautifully designed three-story residence offers 2 bedrooms, 2.5 bathrooms, and approximately 1,250 square feet of thoughtfully crafted living space, along with a spacious two-car garage and fully paid-off solar, providing both comfort and long-term energy savings. As a former model home, it showcases extensive upgrades and designer finishes throughout. The main living level features a bright, open-concept floor plan filled with natural light and elevated by upgraded ceiling fixtures, custom lighting, and premium details that set this home apart. The stylish kitchen serves as the centerpiece, complete with upgraded appliances, sleek cabinetry, modern hardware, and a large center island that flows seamlessly into the spacious Great Room—perfect for entertaining or everyday living. Just off the kitchen and living area, a private deck creates effortless indoor-outdoor living, ideal for relaxing, dining, or hosting guests. Upstairs, both bedrooms are thoughtfully positioned for privacy. The beautiful primary suite offers a peaceful retreat with a walk-in closet and a well-appointed en-suite bathroom featuring upgraded finishes. The secondary bedroom also includes its own bathroom, making it perfect for guests, a home office, or family living. A convenient powder room on the main floor adds functionality and ease for visitors. Residents also enjoy access to the resort-style amenities within The Trails, including a lap pool, pickleball and basketball courts, playground, dog parks, and scenic walking trails. Conveniently located near I-15 and SR-56, with shopping and dining in Carmel Mountain Ranch, 4S Ranch, Del Sur, and UTC, and situated within the highly regarded Poway Unified School District. Move-in ready and loaded with upgrades, this former model home offers elevated living in one of Rancho Bernardo’s newest and most sought-after communities.

Mortgage Calculator

Est. Monthly Payment

$5,593

Principal & Interest$4,247
Property Tax$840
Insurance$245
HOA$261
%($168,000)
%

Location

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Investment Score

16D
Est. Monthly Rent
$3,088
Monthly Cashflow

Rent − PITIA

$-2,505
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,916

Mortgage (P+I)
$4,247
Cap Rate
0.47%
Cash-on-Cash
-27.97%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$8,173

NOI (Annual)
$3,981
Price-to-Rent

Lower = better for investors

22.7

* 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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