12420 Whispering Tree Ln
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12420 Whispering Tree Ln

C

Poway, CA 92064

$1,150,000
NEW — 2d

Soft Appraisal Value: $1,136,900 · 1.2% above estimate

Beds

4

Baths

2

Sqft

1,695

Year Built

1997

Days on Market

2

Property Type

Single Family

HOA/mo

N/A

MLS ID

260015661SD

This property is in Poway (92064). View neighborhood stats →

About This Property

Welcome home to this bright, single-story gem in the award-winning Poway Unified School District! Tucked away on a quiet cul-de-sac with no HOA or Mello-Roos, this home features soaring 12-foot ceilings, an open and versatile floor plan, an optional 4th bedroom or bonus room, and one of the largest private backyards in the neighborhood. Enjoy updated quartz countertops, newer appliances, solar, and low-maintenance landscaping with premium artificial turf. Backing to a peaceful habitat preserve means no neighbors behind you, and the neighborhood park and playground are just a few doors down. Conveniently located near shopping, restaurants, parks, and easy I-15 access, this is a home you won’t want to miss!

Mortgage Calculator

Est. Monthly Payment

$7,300

Principal & Interest$5,815
Property Tax$1,150
Insurance$335
%($230,000)
%

Location

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Investment Score

7D
Est. Monthly Rent
$4,084
Monthly Cashflow

Rent − PITIA

$-3,216
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,114

Mortgage (P+I)
$5,815
Cap Rate
0.73%
Cash-on-Cash
-26.68%
DSCR

Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$10,725

NOI (Annual)
$8,416
Price-to-Rent

Lower = better for investors

23.5

* 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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