12059 Alta Carmel Court

12059 Alta Carmel Court #168

A

Rancho Bernardo, CA 92128

$549,000

Soft Appraisal Value: $539,900 · 1.7% above estimate

Beds

2

Baths

2

Sqft

1,036

Year Built

2006

Days on Market

45

Property Type

Condo

HOA/mo

$58

MLS ID

DW26096350

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

Virtual Tour

About This Property

Welcome to Il Palio, a resort-style community in the heart of Carmel Mountain Ranch. This bright and well-appointed 2-bedroom, 2-bathroom condo offers 1,036 square feet of comfortable living with an open layout, fully equipped kitchen, ceiling fans, and central A/C. Enjoy resort amenities including a pool, spa, tennis and racquetball courts, fitness center, clubhouse, and BBQ areas. Located in the award-winning Poway Unified School District, walking distance to Bernardo Heights Middle School and RB High. Easy access to freeways 15 and 56, with shopping, dining, and Highland Ranch Park just minutes away. Low-maintenance living at its best — HOA covers water, trash, landscaping, and roof maintenance.

Mortgage Calculator

Est. Monthly Payment

$3,543

Principal & Interest$2,776
Property Tax$549
Insurance$160
HOA$58
%($109,800)
%

Location

Loading map...

Investment Score

60A
Est. Monthly Rent
$2,993
Monthly Cashflow

Rent − PITIA

$-550
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,696

Mortgage (P+I)
$2,776
Cap Rate
2.36%
Cash-on-Cash
-18.53%
DSCR

Need ≥ 1.25 for DSCR loan

0.84
Break-even Rent
$5,196

NOI (Annual)
$12,961
Price-to-Rent

Lower = better for investors

15.3

* 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