12019 Alta Carmel Ct San Diego

12019 Alta Carmel Ct San Diego

D

, CA 92128

$450,000

Beds

1

Baths

1

Sqft

704

Year Built

2006

Days on Market

20

Property Type

Condo

HOA/mo

$370

MLS ID

260003286SD

Description

Located in the Il Palio community, 12019 Alta Carmel, Unit 282 offers a perfect blend of comfort, function, and location ideal for first-time buyers or investors. Inside, new luxury vinyl flooring provides a clean, modern look with easy upkeep. The kitchen features stainless steel appliances, a spacious pantry, and the convenience of in-unit laundry. Natural light fills the home, creating a warm atmosphere, and a private patio offers outdoor living space. The unit includes a reserved covered parking space and permit for overnight guest parking. Community amenities feature two pools, a jacuzzi, fitness center, sauna, and courts for racquetball, tennis, and basketball, plus a clubhouse for events. With quick access to the 15 freeway and nearby Carmel Mountain Ranch Town Center, this home offers easy, convenient living.

Mortgage Calculator

Est. Monthly Payment

$3,227

Principal & Interest$2,275
Property Tax$450
Insurance$131
HOA$370
%($90,000)
%

Investment Score

14D
Est. Monthly Rent

Market Rent Estimate

$2,426
Monthly Cashflow

Rent − PITI − HOA

$-800
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,733

Mortgage (P+I)
$2,275
Cap Rate
1.45%
Cash-on-Cash
-10.67%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

1.07
Break-even Rent
$3,226

NOI (Annual)
$6,504
Price-to-Rent

Lower = better for investors

15.5

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

Get Expert AnalysisOpen Full Calculator