12424 Rios Road

12424 Rios Road

D

Rancho Bernardo, CA 92128

$639,900

Soft Appraisal Value: $633,300 · 1.0% above estimate

Beds

2

Baths

2

Sqft

1,120

Year Built

1965

Days on Market

89

Property Type

Condo

HOA/mo

$672

MLS ID

2600400SD

Description

This charming total remodel with stunning fireplace is move in ready in the 55+ retirement community of Seven Oaks, offering the perfect blend of tranquility and convenience. Step into your thoughtfully renovated residence with a 150 sq. ft sunroom not included in main square footage that could be used as a den, family room or office with it's own entrance you can use this space for guests. Where modern updates harmonize seamlessly with the timeless appeal of the neighborhood. The careful remodel ensures that your home suits both contemporary lifestyles and the comfort you desire during retirement. The standout feature of this home is its prime location, which opens up to a picturesque green space. Imagine waking up to the sight of lush trees and the soothing sounds of nature right in your backyard. It’s the perfect spot for relaxing on your patio. Whether it’s a round of golf, a visit to the community center, or a stroll to nearby shops and restaurants, you’ll find everything you need right at your doorstep. In Rancho Bernardo’s Seven Oaks, you’re not just finding a home; you’re embracing a lifestyle of comfort, convenience, and community. Don’t miss the opportunity to call this remodeled gem your retirement sanctuary.

Mortgage Calculator

Est. Monthly Payment

$4,734

Principal & Interest$3,236
Property Tax$640
Insurance$187
HOA$672
%($127,980)
%

Investment Score

2D
Est. Monthly Rent
$3,067
Monthly Cashflow

Rent − PITIA

$-1,668
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,906

Mortgage (P+I)
$3,236
Cap Rate
0.62%
Cash-on-Cash
-27.25%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.65
Break-even Rent
$6,841

NOI (Annual)
$3,953
Price-to-Rent

Lower = better for investors

17.4

* 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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