12075 Alta Carmel Court
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12075 Alta Carmel Court #35

A

Rancho Bernardo, CA 92128

$425,000

Soft Appraisal Value: $415,700 · 2.2% above estimate

Beds

1

Baths

1

Sqft

704

Year Built

2006

Days on Market

45

Property Type

Condo

HOA/mo

$405

MLS ID

NDP2604675

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

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About This Property

Move-in-ready 1-bedroom, 1-bathroom condo located in the sought-after Il Palio community. Situated in the top-rated Poway Unified School District, this home features a bright, open floor plan highlighted by luxury vinyl flooring and a private balcony perfect for your morning coffee. Upgraded electrical outlets, canned lights, and modern light fixtures along with a fresh water filter under the sink. Residents enjoy resort-style amenities, including a pool, hot tub, sauna, fitness center, tennis and racquetball courts, basketball courts, and BBQ areas for entertaining. With easy access to the I-15 and SR-56, you’re just minutes away from the Carmel Mountain Plaza shops, Costco, Trader Joe’s, and popular local dining. Whether you're a first-time homebuyer or looking for a high-demand rental investment, this property offers unbeatable value in North County.

Mortgage Calculator

Est. Monthly Payment

$3,103

Principal & Interest$2,149
Property Tax$425
Insurance$124
HOA$405
%($85,000)
%

Location

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Investment Score

48B
Est. Monthly Rent
$2,331
Monthly Cashflow

Rent − PITIA

$-772
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,662

Mortgage (P+I)
$2,149
Cap Rate
1.37%
Cash-on-Cash
-23.47%
DSCR

Need ≥ 1.25 for DSCR loan

0.75
Break-even Rent
$4,490

NOI (Annual)
$5,840
Price-to-Rent

Lower = better for investors

15.2

* 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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