12520 Heatherton Ct.
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12520 Heatherton Ct. #3

D

Rancho Bernardo, CA 92128

$774,900

Soft Appraisal Value: $779,700 · 0.6% below estimate

Beds

3

Baths

2.5

Sqft

1,437

Year Built

2001

Days on Market

51

Property Type

Townhouse

HOA/mo

$515

MLS ID

260007493SD

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

Virtual Tour

About This Property

Welcome to this spacious two-story townhome located in a VA/FHA-approved complex. Featuring 9-foot ceilings on both levels, the home offers a bright, open, and inviting atmosphere throughout. A standout feature is the highly desirable downstairs flex space, complemented by a nearby powder room. This versatile area can easily serve as a third bedroom, home office, gym, or additional storage, making it a valuable extension of the living space. Upstairs, both generously sized bedrooms include private en-suite full bathrooms, providing ideal separation and privacy. The primary suite is further enhanced by a large walk-in closet. The kitchen has been tastefully upgraded with a newer stovetop, oven, dishwasher, and microwave, while the carpet has been replaced in recent years, adding to the home’s overall appeal. Enjoy seamless indoor-outdoor living with an oversized 21' x 10' private patio, significantly larger than typical townhome outdoor spaces and perfect for relaxing or entertaining. Additional highlights include an attached two-car garage and a full-size washer and dryer located in a dedicated laundry room with ample space for additional storage. Ideally situated just steps from the community pool and fitness center, this home is set within a quiet, well-maintained community. The location offers exceptional convenience, just moments from Poway Road with abundant shopping, dining, and entertainment options, as well as nearby parks and scenic hiking trails. Commuters will benefit from easy access to both the 15 and 56 freeways. The HOA provides excellent value by covering roof maintenance, trash pick-up, water, landscaping, etc. helping to simplify homeownership and reduce upkeep responsibilities. Located within the highly regarded Poway Unified School District, widely recognized as one of the top-rated districts in San Diego County, this home presents an outstanding opportunity to enjoy comfort, flexibility, and convenience in a prime location. This is a must see!

Mortgage Calculator

Est. Monthly Payment

$5,434

Principal & Interest$3,918
Property Tax$775
Insurance$226
HOA$515
%($154,980)
%

Location

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Investment Score

24D
Est. Monthly Rent
$3,487
Monthly Cashflow

Rent − PITIA

$-1,947
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,395

Mortgage (P+I)
$3,918
Cap Rate
0.81%
Cash-on-Cash
-26.29%
DSCR

Need ≥ 1.25 for DSCR loan

0.64
Break-even Rent
$7,896

NOI (Annual)
$6,280
Price-to-Rent

Lower = better for investors

18.5

* 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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