12245 Carmel Vista Rd

12245 Carmel Vista Rd

D

Carmel Valley, CA 92130

$928,888

Beds

2

Baths

2

Sqft

1,269

Year Built

1985

Days on Market

34

Property Type

Condo

HOA/mo

$599

MLS ID

260003192SD

View on MLS

Description

Rare offering in the heart of Carmel Valley’s most coveted community. This beautifully upgraded, move-in ready residence showcases a bright, open-concept design with 2 spacious bedrooms plus a versatile loft easily converted into a third bedroom, executive office, or bonus retreat. Thoughtfully curated finishes, abundant natural light, and seamless indoor-outdoor flow create an elevated yet comfortable living experience. Award winning garden with year round appeal, feels like walking in a Japanese Garden! Enjoy access to the award-winning Del Mar Union and San Dieguito Union school districts, with parks, upscale shopping, dining, beaches, and major freeways just minutes away. A prime location, turnkey condition, and limited inventory make this an exceptional opportunity you don’t want to miss.

Mortgage Calculator

Est. Monthly Payment

$6,496

Principal & Interest$4,697
Property Tax$929
Insurance$271
HOA$599
%($185,778)
%

Investment Score

0D
Est. Monthly Rent
$2,714
Monthly Cashflow

Rent − PITI − HOA

$-3,782
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,180

Mortgage (P+I)
$4,697
Cap Rate
-0.62%
Cash-on-Cash
-24.43%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.42
Break-even Rent
$6,496

NOI (Annual)
$-5,798
Price-to-Rent

Lower = better for investors

28.5

* 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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