12112 Carter Lane
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12112 Carter Lane

D

Rancho Bernardo, CA 92128

$1,795,000
NEW — 0d on market

Beds

4

Baths

3.5

Sqft

2,469

Year Built

2024

Days on Market

0

Property Type

Single Family

HOA/mo

$240

MLS ID

260008229SD

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

View on MLS

About This Property

Welcome to 12112 Carter Lane—an exceptional opportunity in the heart of Carmel Mountain Ranch. Built by Lennar in 2024, this nearly new residence offers over 2,400 sq. ft. of thoughtfully designed living space, ideally situated on a premium lot with scenic rolling hill views. From the moment you enter, you’re greeted by an abundance of natural light, enhanced by upgraded engineered hardwood flooring, electronic blinds throughout, and modern designer finishes. The open-concept layout seamlessly connects the spacious family room to a sleek, contemporary kitchen featuring stainless steel appliances and clean, sophisticated lines—perfect for both everyday living and effortless entertaining. A standout feature of the home is the attached Next-Gen suite with its own private entrance, kitchenette, and in-unit laundry. Whether used for multigenerational living, extended guests, rental income, or a private office, this versatile space adds tremendous flexibility and value. Upstairs, the primary suite offers a true retreat with dual walk-in closets and a spa-inspired bathroom designed for relaxation. Three additional bedrooms provide ample space for family, guests, or work-from-home needs. Additional highlights include owned solar for energy efficiency and the ability to accommodate EV charging, adding both convenience and future-ready functionality. With a flexible floor plan and a prime location in one of North County’s most desirable communities, this home delivers the perfect blend of modern comfort, style, and everyday convenience. Enjoy San Diego’s signature indoor-outdoor lifestyle with a private backyard and covered patio—ideal for both entertaining and quiet relaxation. This home also offers a two-car garage with an electric car charging station, modern finishes throughout, and access to the award-winning Poway Unified School District. Conveniently located near shopping, dining, and major commuter routes—including the I-15 and SR-56—you’ll also enjoy exclusive membership to community amenities such as a pool, sport courts, tennis courts, and a clubhouse.

Mortgage Calculator

Est. Monthly Payment

$11,635

Principal & Interest$9,076
Property Tax$1,795
Insurance$524
HOA$240
%($359,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$5,261
Monthly Cashflow

Rent − PITIA

$-6,374
Full Cashflow

Incl. vacancy, PM, maint, capex

$-9,080

Mortgage (P+I)
$9,076
Cap Rate
-0.00%
Cash-on-Cash
-30.35%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.45
Break-even Rent
$17,054

NOI (Annual)
$-46
Price-to-Rent

Lower = better for investors

28.4

* 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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