12490 Heatherton
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12490 Heatherton #12

D

Rancho Bernardo, CA 92128

$830,000
NEW — 3d

Beds

2

Baths

2.5

Sqft

1,438

Year Built

1996

Days on Market

3

Property Type

Condo

HOA/mo

$515

MLS ID

260010144SD

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

About This Property

Spaciious two-story condo with sweeping views and a bright, open floor plan designed for comfortable living and entertaining. The great room concept creates an airy feel, complemented by abundant light and in an ideal location within the complex offering a peaceful and quiet space. Versatile bonus room with half bath nearby offers endless possibilities—perfect as a home office, optional 3rd bedroom, playroom, exercise room, or guest space. Enjoy the beautiful views from both the private patio and the primary bedroom. Additional highlights include a walk-in closet, tile flooring on the lower level, dedicated laundry room with full-size washer and dryer, attached garage plus an assigned parking space. This condo is lightly lived in and has been used only as a vacation home a few weeks a year. The complex amenities include a pool and exercise room. Sabre Terrace is conveniently located with easy access to I-15, SR-56, shopping, dining, and more.

Mortgage Calculator

Est. Monthly Payment

$5,784

Principal & Interest$4,197
Property Tax$830
Insurance$242
HOA$515
%($166,000)
%

Location

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Investment Score

7D
Est. Monthly Rent
$2,860
Monthly Cashflow

Rent − PITIA

$-2,924
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,273

Mortgage (P+I)
$4,197
Cap Rate
-0.11%
Cash-on-Cash
-30.89%
DSCR

Need ≥ 1.25 for DSCR loan

0.49
Break-even Rent
$8,410

NOI (Annual)
$-918
Price-to-Rent

Lower = better for investors

24.2

* 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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