12507 El Camino Real Unit A

12507 El Camino Real Unit A

Ctop 80%

Carmel Valley, CA 92130

$1,350,000
STR: check · no permits in this complex · TOT 11.75%

13 licensed short-term rentals within ½ mile (5 whole home), from the cities' license and permit lists of Nov 14, 2026.

No unit in this 19-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$6,956/mo full cashflow at 20% down, 7.36% rate.

Works at $439,899 (67% under asking), or at 95% down.

Rent $4,950/mo from 28 leases of 2–4 bed condos & townhomes within 0.5 mi, same school area ($4,088–$4,623). Previously leased for $4,950.

Beds

3

Baths

3

Sqft

1,584

Year Built

1996

Days on Market

—

Property Type

Townhouse

HOA/mo

$450

MLS ID

260027100SD

This property is in Carmel Valley (92130). View neighborhood stats →

About This Property

Welcome to this sophisticated and sunlit end-unit townhome located on the outskirts of the esteemed Crest Del Mar community, offering a luxurious, comfortable, and convenient living experience in the heart of Carmel Valley. Step inside to be greeted by abundant natural light streaming through expansive windows, creating a warm and inviting atmosphere. The first floor hosts a bedroom and a formal living room with tall ceilings and a fireplace, adding grandeur to the space. The stunning open-concept kitchen, designed with practicality and aesthetics, features a spacious pantry and a peninsula island with barstool seating, seamlessly flowing into the dining room. A lovely French door in the dining room leads to a deck, perfect for enjoying morning coffee or evening relaxation. Situated just a short walk from Del Mar Plaza, you'll have shops, dining, and entertainment venues at your fingertips, making this townhome a rare opportunity to own a piece of paradise in one of Carmel Valley's most desirable communities.

Mortgage Calculator

Est. Monthly Payment

$9,642

Principal & Interest$7,448
Property Tax$1,350
Insurance$394
HOA$450
%($270,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Carmel Del Mar Elementary · grades K-6 · Del Mar Union Elementary

  • Middle

    Carmel Valley Middle · grades 7-8 · San Dieguito Union High

  • High

    Torrey Pines High · grades 9-12 · San Dieguito Union High

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

7C
Est. Monthly Rent
$4,950

Previously leased for $4,950

28 leases of 2–4 bed condos & townhomes within 0.5 mi, same school area · $4,088–$4,623

Monthly Cashflow

Rent − PITIA

-$4,692
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,956

What would make this work?

$6,956/mo short at 20% down; 95% down or +$9,033/mo rent closes it.

Break-even price

67% under asking

$439,899
Break-even rent

$9,033/mo above the estimate

$13,983/mo
Cashflow at 35% down
−$5,559/mo
Down payment to break even

$1,282,500 cash

95%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,448
Cap Rate
0.66%
Cash-on-Cash
-30.91%
DSCR

Need ≥ 1.25 for DSCR loan

0.51

NOI (Annual)
$8,880
Price-to-Rent

Lower = better for investors

22.7

* Modelled at 20% down, 7.36% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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CCashflow−$6,956/mo