12047 Alta Carmel Ct
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12047 Alta Carmel Ct #189

C

Rancho Bernardo, CA 92128

$600,000
NEW — 1d

Soft Appraisal Value: $591,100 · 1.5% above estimate

Beds

2

Baths

2

Sqft

1,036

Year Built

2006

Days on Market

1

Property Type

Condo

HOA/mo

$403

MLS ID

260009564SD

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

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About This Property

Ground-floor 2 bed, 2 bath residence in the highly desirable Il Palio community of Rancho Bernardo. This move-in ready home showcases a bright, open floor plan enhanced by fresh interior paint, brand-new carpet, elegant crown molding, and a cozy fireplace that anchors the main living space. The well-appointed layout flows effortlessly to a private patio—perfect for extending your living and entertaining outdoors. Enjoy the convenience of an in-unit laundry room, along with two parking spaces, including an assigned carport and an additional uncovered spot. Residents of Il Palio are treated to an array of resort-style amenities, including a pool, spa, tennis courts, fitness center, and more. Ideally situated within a top-rated school district and just moments from shopping, dining, parks, and scenic recreational trails, with easy access to I-15 for a seamless commute. A perfect blend of comfort, convenience, and lifestyle awaits.

Mortgage Calculator

Est. Monthly Payment

$4,212

Principal & Interest$3,034
Property Tax$600
Insurance$175
HOA$403
%($120,000)
%

Location

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Investment Score

33C
Est. Monthly Rent
$2,750
Monthly Cashflow

Rent − PITIA

$-1,462
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,594

Mortgage (P+I)
$3,034
Cap Rate
0.88%
Cash-on-Cash
-25.94%
DSCR

Need ≥ 1.25 for DSCR loan

0.65
Break-even Rent
$6,119

NOI (Annual)
$5,274
Price-to-Rent

Lower = better for investors

18.2

* 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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