12204 Rancho Bernardo Rd
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12204 Rancho Bernardo Rd #B

C

Rancho Bernardo, CA 92128

$529,000
NEW — 3d

Soft Appraisal Value: $523,400 · 1.1% above estimate

Beds

2

Baths

1.5

Sqft

924

Year Built

1966

Days on Market

3

Property Type

Townhouse

HOA/mo

$475

MLS ID

260013593SD

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

About This Property

Tucked away on the quieter back side of the community, this updated end-unit condo offers privacy, natural light, and a move-in ready interior in a convenient Rancho Bernardo location. The comfortable floor plan features newer laminate flooring downstairs, newer carpet upstairs, an updated kitchen with new cabinetry, refreshed bathroom vanities, dual-pane vinyl windows, and central heating and air conditioning. The open living and dining areas connect to a private fenced patio, creating an inviting indoor-outdoor living space for relaxing, gardening, or outdoor dining. Upstairs, both bedrooms enjoy abundant natural light and overlook mature cherry trees that provide beautiful seasonal color when in bloom. Located just steps from the Rancho Bernardo Swim & Tennis Club and close to shopping, dining, parks, the library, and freeway access, this home combines everyday convenience with access to one of North County's most amenity-rich communities. Additional features include an assigned covered parking space with private storage and HOA dues that include high-speed internet and a premium TV package.

Mortgage Calculator

Est. Monthly Payment

$3,833

Principal & Interest$2,675
Property Tax$529
Insurance$154
HOA$475
%($105,800)
%

Location

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Investment Score

43C
Est. Monthly Rent
$2,818
Monthly Cashflow

Rent − PITIA

$-1,015
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,104

Mortgage (P+I)
$2,675
Cap Rate
1.30%
Cash-on-Cash
-23.86%
DSCR

Need ≥ 1.25 for DSCR loan

0.74
Break-even Rent
$5,550

NOI (Annual)
$6,852
Price-to-Rent

Lower = better for investors

15.6

* 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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