12132 Royal Birkdale Row

12132 Royal Birkdale Row #104E

C

Rancho Bernardo, CA 92128

$486,900
NEW — 3d

Soft Appraisal Value: $475,400 · 2.4% above estimate

Beds

1

Baths

1.5

Sqft

906

Year Built

1987

Days on Market

3

Property Type

Condo

HOA/mo

$1,081

MLS ID

260014453SD

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

About This Property

Resort-Style Living with Spectacular Golf Course Views! Welcome to The Summit at Masters Hill, where every day feels like a vacation. Enjoy peaceful fairway views, beautifully maintained grounds, and an exceptional collection of amenities—all included through the HOA, including access to the private Bernardo Heights Community Center. This updated ground-floor 1bd, 1.5ba condo offers an open, light-filled layout with upgraded finishes, a cozy fireplace, and a spacious primary suite. Enjoy the private patio to take in the tranquil golf course setting—perfect for morning coffee or unwinding at the end of the day. Additional features include in-unit laundry, central A/C, and an assigned garage space. HOA dues include water, gas, internet, cable, trash, exterior maintenance, three community pools, plus exclusive access to the Bernardo Heights Community Center featuring tennis courts, a fitness center, clubhouse, and outstanding recreational amenities. Currently operating as a successful vacation rental, (~$3,000/month), offering great opportunity for primary residence, second home, or income-producing investment. Located near top-rated schools, shopping, dining, parks, and freeway access, this move-in-ready home offers the perfect blend of comfort, convenience, and carefree resort-style living. Buyer to verify all MLS info.

Mortgage Calculator

Est. Monthly Payment

$4,172

Principal & Interest$2,462
Property Tax$487
Insurance$142
HOA$1,081
%($97,380)
%

Location

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Investment Score

24D
Est. Monthly Rent
$2,633
Monthly Cashflow

Rent − PITIA

$-1,539
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,550

Mortgage (P+I)
$2,462
Cap Rate
-0.22%
Cash-on-Cash
-31.43%
DSCR

Need ≥ 1.25 for DSCR loan

0.63
Break-even Rent
$5,945

NOI (Annual)
$-1,059
Price-to-Rent

Lower = better for investors

15.4

* 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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