12290 Ln
1 / 20

12290 Ln

C

Rancho Bernardo, CA 92128

$1,299,000
NEW — 1d

Beds

4

Baths

3

Sqft

1,843

Year Built

1988

Days on Market

1

Property Type

Single Family

HOA/mo

$62

MLS ID

260014060SD

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

About This Property

Welcome to this beautiful home on an oversized corner lot in the highly sought-after Carmel Mountain Ranch community. Offering 4 bedrooms, 3 bathrooms, and 1,843 square feet, this home features soaring ceilings, abundant natural light, and a spacious, functional layout. A full bedroom and bathroom on the main level provide flexibility for guests, multi-generational living, or a home office. Beautiful lvp flooring enhances the downstairs living spaces, while cozy carpet extends throughout the upstairs bedrooms and hallway. Built-in closet systems in every bedroom provide excellent storage and organization. A dual-sided fireplace connects the formal living room and family room, creating a warm focal point for both spaces. The family room flows directly into the kitchen, which overlooks the backyard and main living areas. The oversized backyard is fully fenced and features mature fruit trees, lush grass, decomposed granite (DG), mountain views, a fire pit area, and a large patio with a custom-built awning that creates an inviting outdoor living space. Additional features include a whole house fan for cool evening airflow, fresh interior and exterior paint, a newer roof, and a new HVAC system. Located within the award-winning Poway Unified School District, this home is just down the street from an elementary school and within walking distance to shopping, grocery stores, restaurants, and everyday conveniences. With its desirable floor plan, extensive updates, generous outdoor space, and prime location, this move-in-ready home offers an exceptional opportunity.

Mortgage Calculator

Est. Monthly Payment

$8,308

Principal & Interest$6,568
Property Tax$1,299
Insurance$379
HOA$62
%($259,800)
%

Location

Loading map...

Investment Score

6D
Est. Monthly Rent
$4,547
Monthly Cashflow

Rent − PITIA

$-3,761
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,890

Mortgage (P+I)
$6,568
Cap Rate
0.63%
Cash-on-Cash
-27.20%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$12,196

NOI (Annual)
$8,144
Price-to-Rent

Lower = better for investors

23.8

* 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.

Get Expert AnalysisOpen Full Calculator