12453 Rios Rd

12453 Rios Rd

D

Rancho Bernardo, CA 92128

$555,000
NEW — 2d on market

Soft Appraisal Value: $544,700 · 1.9% above estimate

Beds

2

Baths

2

Sqft

1,120

Year Built

1965

Days on Market

2

Property Type

Condo

HOA/mo

$672

MLS ID

260007322SD

View on MLS

Description

Welcome to 12453 Rios Road located in the 55+ community of Seven Oaks in Rancho Bernardo. This 2 bedroom, 2 bath home offers 1,120 sq ft of comfortable living space and an ideal location surrounded by lush greenbelts that create a peaceful, park-like setting. Enjoy quiet mornings or relaxing evenings on your private patio while taking in the tranquil views. Inside, you’ll find thoughtful updates including a brand-new sliding glass door leading to the patio, luxury vinyl flooring in the living and dining areas, and dual-pane windows throughout. With no neighbors above or below, this home offers the privacy and ease of true single-level living. Residents of Seven Oaks enjoy access to a vibrant community center featuring a pool, gym, pickleball courts, a library, and a variety of social activities. Conveniently located just minutes from freeway access, shopping, dining, golf, and everyday amenities, this home offers both comfort and convenience in a welcoming 55+ neighborhood.

Mortgage Calculator

Est. Monthly Payment

$4,195

Principal & Interest$2,806
Property Tax$555
Insurance$162
HOA$672
%($111,000)
%

Investment Score

4D
Est. Monthly Rent
$3,135
Monthly Cashflow

Rent − PITI − HOA

$-1,060
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,244

Mortgage (P+I)
$2,806
Cap Rate
1.22%
Cash-on-Cash
-24.26%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.75
Break-even Rent
$6,049

NOI (Annual)
$6,749
Price-to-Rent

Lower = better for investors

14.8

* 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.

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