12097 Pastoral Rd
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12097 Pastoral Rd

D

Rancho Bernardo, CA 92128

$879,000

Soft Appraisal Value: $871,500 · 0.9% above estimate

Beds

3

Baths

2

Sqft

1,510

Year Built

1964

Days on Market

45

Property Type

Single Family

HOA/mo

$564

MLS ID

260008285SD

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

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About This Property

Stunning remodel and truly MOVE-IN READY INSIDE AND OUT. This 3 bedroom/2 bath home is located in the desirable 55+ Seven Oaks Community of Rancho Bernardo. Thoughtfully redesigned with modern living in mind, the home showcases high-end finishes throughout, including a beautifully updated kitchen, upgraded flooring, and spa-inspired bathrooms. The spacious layout includes a SEPARATE FAMILY ROOM and an OPEN LIVING ROOM/ DINING AREA, offering multiple options for relaxing or entertaining. Enjoy year round comfort with NEW HVAC SYSYTEM and NEW ROOF. Some upgrades include dual-pane windows, recessed lighting, matching appliances, a cozy fireplace and much more. Enjoy INDOOR-OUTDOOR LIVING with a spacious covered patio and low-maintenance yard. Residents of Seven Oaks enjoy resort-style amenities including a clubhouse, heated pool, fitness center, and a vibrant calendar of social activities. LOW MONTHLY HOA of $47 The spacious layout includes a SEPARATE FAMILY ROOM and an OPEN LIVING ROOM/ DINING AREA, offering multiple options for relaxing or entertaining. Enjoy year round comfort with NEW HVAC SYSYTEM and NEW ROOF. Some upgrades include dual-pane windows, recessed lighting, Matching appliances, a cozy fireplace and much more. Enjoy INDOOR-OUTDOOR LIVING with a spacious covered patio and low-maintenance yard. Residents of Seven Oaks enjoy resort-style amenities including a clubhouse, heated pool, fitness center, and a vibrant calendar of social activities. Low monthly HOA of $47

Mortgage Calculator

Est. Monthly Payment

$6,144

Principal & Interest$4,445
Property Tax$879
Insurance$256
HOA$564
%($175,800)
%

Location

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Investment Score

23D
Est. Monthly Rent
$4,113
Monthly Cashflow

Rent − PITIA

$-2,031
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,709

Mortgage (P+I)
$4,445
Cap Rate
1.00%
Cash-on-Cash
-25.32%
DSCR

Need ≥ 1.25 for DSCR loan

0.67
Break-even Rent
$8,930

NOI (Annual)
$8,826
Price-to-Rent

Lower = better for investors

17.8

* 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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