12540 Montero Way
DRancho Bernardo, CA 92128
Beds
5
Baths
3
Sqft
2,241
Year Built
1970
Days on Market
3
Property Type
Single Family
HOA/mo
$625
MLS ID
260007180SD
Description
Tucked into the coveted hills of Gatewood, this completely remodeled, turn-key 5-bedroom, 3-bath residence blends elevated design with everyday functionality. The thoughtfully designed floorplan offers both a private dining room for intimate gatherings and a spacious family room that seamlessly connects to the heart of the home. Ideal for flexible living, the home includes both a downstairs bedroom and a highly desirable primary suite on the main level—each positioned to take in serene, expansive vistas. From the moment you enter, you’re greeted by an inviting living space enhanced by wood-style beam accents that add warmth and architectural character throughout the downstairs. Additional upgrades include a finished garage with epoxy flooring, a dedicated 125A sub panel, exterior electrical amp, and a full sprinkler system. Every detail has been carefully curated, offering a move-in-ready opportunity in one of Rancho Bernardo’s most sought-after neighborhoods. This is the kind of home that doesn’t just check boxes—it quietly exceeds them.
Mortgage Calculator
Est. Monthly Payment
$10,337
Comparable Properties
5 comps foundThis Property
$6,309
Comp Average
$4,595
12043 Sienna Lane
4bd / 3.5ba · 1,806 sqft · Townhouse
$1000K
Est. $5,032/mo
11039 Twin Pond Ter
4bd / 3ba · 1,893 sqft · Single Family
$1.30M
Est. $4,936/mo
12152 Royal Birkdale Row
5bd / 3ba · 1,939 sqft · Condo
$999K
Est. $4,419/mo
16866 Acebo Drive
4bd / 2ba · 2,208 sqft · Single Family
$1.13M
Est. $4,665/mo
12032 Royal Birkdale Row
4bd / 3ba · 1,993 sqft · Townhouse
$1.07M
Est. $3,923/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
Rent − PITI − HOA
Incl. vacancy, PM, maint, capex
⚠️ Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
Get Expert AnalysisOpen Full Calculator