12136 Royal Lytham Row

12136 Royal Lytham Row

D

Rancho Bernardo, CA 92128

$1,075,000

Beds

3

Baths

2

Sqft

1,566

Year Built

1989

Days on Market

10

Property Type

Single Family

HOA/mo

$709

MLS ID

PT26060418

View on MLS

Description

Discover this beautiful, the most popular, single-level 3-bedroom, 2-bathroom home in the exclusive gated community of Masters Hill in Bernardo Heights (This is not a 55+ community). Featuring an open floor plan with soaring ceilings, this home offers a bright and spacious living environment perfect for both relaxing and entertaining.Enjoy a private, low-maintenance backyard with no immediate rear neighbors, providing added peace and privacy. The home also includes a 2-car garage and an EV charger with a long driveway.This turnkey property comes with access to resort-style amenities, including two private pools and spas within Masters Hill community, as well as the Bernardo Heights Community Center and private Lucido Park. Residents enjoy fitness facilities, tennis and pickleball courts, an Olympic-size pool, and spaces ideal for hosting private events. Conveniently situated near top-rated schools, shopping, and dining, this home offers the perfect blend of comfort and lifestyle. You're just minutes from the beautiful Del Mar beaches and the charming Bernardo Winery, making weekend outings effortless. Children can easily walk to school, and the community pool—only a minute away—adds to the everyday enjoyment. With quick access to both the 15 and 56 freeways, commuting is smooth and stress-free. HOA benefits include home owner’s insurance for the exterior (roof, stucco, termite work if needed), high-speed internet, cable television, exterior and front yard maintenance, , trash, secure gated entry (**Ask for a one-page list**). The home includes newer A/C, furnace, flooring throughout and a 220V EV charger.

Mortgage Calculator

Est. Monthly Payment

$7,533

Principal & Interest$5,436
Property Tax$1,075
Insurance$314
HOA$709
%($215,000)
%

Investment Score

0D
Est. Monthly Rent
$4,054
Monthly Cashflow

Rent − PITI − HOA

$-3,480
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,308

Mortgage (P+I)
$5,436
Cap Rate
0.14%
Cash-on-Cash
-29.63%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.54
Break-even Rent
$10,948

NOI (Annual)
$1,533
Price-to-Rent

Lower = better for investors

22.1

* 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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