12447 Horado
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12447 Horado

D

Rancho Bernardo, CA 92128

$1,149,000

Soft Appraisal Value: $1,120,400 · 2.6% above estimate

Beds

2

Baths

2

Sqft

1,996

Year Built

1964

Days on Market

45

Property Type

Single Family

HOA/mo

$615

MLS ID

260008218SD

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

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About This Property

7 Oaks - 55+ Community. This beautifully remodeled home has been expanded from 1,402 square feet to approximately 1,996 square feet, creating a spacious and thoughtfully designed living environment. At the heart of the home is a stunning, fully remodeled kitchen featuring stainless steel KitchenAid appliances, including an induction cooktop, double oven, and built-in microwave. Custom cabinetry, designer-grade granite countertops, and a magnificent arched island—illuminated by low-voltage lighting and a large skylight—make this space both functional and visually striking. Both bathrooms have been exquisitely upgraded with high-end finishes, including a luxurious Jacuzzi tub and a walk-in shower. The bedrooms have been expanded by extending the exterior walls and roofline, providing additional comfort and space. An added living area off the family room enhances the home’s versatility and opens seamlessly to the backyard, perfect for indoor-outdoor living. Throughout the home, you’ll find ceiling fans in every room and elegant plantation shutters for a cohesive, upscale look. The exterior has also been improved with new stucco and gutters, offering both curb appeal and peace of mind. Residents enjoy access to the Seven Oaks Community Center, featuring pickleball and tennis courts, a pool and spa, and a clubhouse with a variety of social amenities.

Mortgage Calculator

Est. Monthly Payment

$7,909

Principal & Interest$5,810
Property Tax$1,149
Insurance$335
HOA$615
%($229,800)
%

Location

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Investment Score

0D
Est. Monthly Rent
$3,624
Monthly Cashflow

Rent − PITIA

$-4,285
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,076

Mortgage (P+I)
$5,810
Cap Rate
-0.28%
Cash-on-Cash
-31.73%
DSCR

Need ≥ 1.25 for DSCR loan

0.46
Break-even Rent
$11,515

NOI (Annual)
$-3,192
Price-to-Rent

Lower = better for investors

26.4

* 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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