12491 Rios
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12491 Rios

C

Rancho Bernardo, CA 92128

$649,000
NEW — 2d

Beds

2

Baths

2

Sqft

1,358

Year Built

1970

Days on Market

2

Property Type

Condo

HOA/mo

$600

MLS ID

260013810SD

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

About This Property

Peaceful Living in a Premier 55+ Community Nestled in the heart of Seven Oaks, this lovingly maintained second home offers effortless living in a serene, beautifully landscaped setting. Lush gardens and manicured lawns (maintained by the HOA) surround the home, creating a private, picturesque outdoor retreat. Lightly lived in and meticulously cared for, it presents a rare opportunity for those seeking comfort, tranquility, and genuine pride of ownership. The expansive patio captures sweeping views of the distant hills—an ideal backdrop for morning coffee, quiet afternoons, or relaxed entertaining. The home sparkles with readiness—clean, inviting, and truly move-in ready. Whether you're downsizing, relocating, or simply seeking a peaceful retreat, this property is ready when you are. The well-maintained community center offers fantastic recreation and socializing opportunities.

Mortgage Calculator

Est. Monthly Payment

$4,720

Principal & Interest$3,282
Property Tax$649
Insurance$189
HOA$600
%($129,800)
%

Location

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Investment Score

21D
Est. Monthly Rent
$2,737
Monthly Cashflow

Rent − PITIA

$-1,983
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,153

Mortgage (P+I)
$3,282
Cap Rate
0.24%
Cash-on-Cash
-29.15%
DSCR

Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$6,832

NOI (Annual)
$1,544
Price-to-Rent

Lower = better for investors

19.8

* 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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