12204 Pepper Tree Lane

12204 Pepper Tree Lane

D

Poway, CA 92064

$1,350,000

Beds

4

Baths

2.5

Sqft

1,956

Year Built

2001

Days on Market

13

Property Type

Single Family

HOA/mo

$180

MLS ID

NDP2601562

Description

Spacious and beautifully upgraded, this 4-bedroom, 2.5-bath home offers 1,956 square feet of comfortable living in the gated Valencia Creek community. Ideally positioned with no direct neighbors in front or behind, the home enjoys exceptional privacy along with expansive backyard views of surrounding hills and a creek. The backyard is a peaceful retreat, featuring mature fruit trees including orange, guava, and pineapple guava, along with a curry leaf plant—perfect for both relaxation and gardening enthusiasts. Hiking trails are located directly in front of the community, offering convenient access to outdoor recreation. Inside, the home showcases thoughtful upgrades throughout. The first floor features upgraded porcelain tile from Arizona Tile, while the second floor offers hardwood flooring. Upstairs bathrooms have been fully remodeled with elegant Italian tile. The kitchen has been refreshed with repainted cabinetry and newer appliances. Additional highlights include a fully paid-off 5.2 kW solar system for energy efficiency and long-term savings, garage overhead storage with five cabinets, pre-wiring for a security system, and the inclusion of two TVs and laundry appliances with the home purchase. Located within the PUSD school district, this home also offers convenient access to freeways and the airport, combining comfort, privacy, and accessibility. Interior and exterior of home has recently been painted and Termite work completed.

Mortgage Calculator

Est. Monthly Payment

$8,750

Principal & Interest$6,826
Property Tax$1,350
Insurance$394
HOA$180
%($270,000)
%

Investment Score

0D
Est. Monthly Rent

Market Rent Estimate

$4,161
Monthly Cashflow

Rent − PITI − HOA

$-4,589
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,671

Mortgage (P+I)
$6,826
Cap Rate
0.14%
Cash-on-Cash
-20.40%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.61
Break-even Rent
$8,750

NOI (Annual)
$1,860
Price-to-Rent

Lower = better for investors

27.0

* Defaults: 20% down, 6.5% rate, 30yr.

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