12015 Alta Carmel Ct

12015 Alta Carmel Ct #306

D

Rancho Bernardo, CA 92128

$450,000
NEW — 2d on market

Soft Appraisal Value: $443,700 · 1.4% above estimate

Beds

1

Baths

1

Sqft

704

Year Built

2006

Days on Market

2

Property Type

Condo

HOA/mo

$403

MLS ID

260007936SD

View on MLS

Description

Welcome to resort-style living in the highly desirable Il Palio community! This move-in ready 1-bedroom, 1-bath interior unit offers a peaceful setting away from main roads while still being conveniently located near the pool and tennis courts. Inside, you’ll find laminate wood flooring throughout, fresh interior paint, and a bright, open layout. The upgraded kitchen features granite countertops, newer cabinetry, and all appliances included—making this home truly turnkey. Additional improvements include a newer HVAC system and water heater for added comfort and efficiency. Enjoy the rare convenience of a walk-in pantry with a full-size, side-by-side washer and dryer. The spacious bedroom and living areas provide a comfortable retreat, ideal for both everyday living and entertaining. Il Palio offers an impressive array of resort-style amenities including a pool, spa, sauna, fitness center, clubhouse, tennis and racquetball courts, and BBQ areas. Located within the award-winning Poway Unified School District, this home also includes assigned covered parking and guest parking with permit. A perfect opportunity for first-time buyers, investors, or anyone seeking low-maintenance living in a prime CMR/Rancho Bernardo location!

Mortgage Calculator

Est. Monthly Payment

$3,260

Principal & Interest$2,275
Property Tax$450
Insurance$131
HOA$403
%($90,000)
%

Investment Score

4D
Est. Monthly Rent
$2,351
Monthly Cashflow

Rent − PITIA

$-908
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,824

Mortgage (P+I)
$2,275
Cap Rate
1.20%
Cash-on-Cash
-24.32%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.72
Break-even Rent
$4,720

NOI (Annual)
$5,415
Price-to-Rent

Lower = better for investors

16.0

* 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.

Get Expert AnalysisOpen Full Calculator