
12555 Oaks North Drive #102
Atop 10%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
3 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 11, 2026.
No unit in this 86-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: -$1,885/mo full cashflow at 20% down, 7.43% rate.
Works at $203,595 (55% under asking), or at 81% down.
Rent $2,803/mo from 9 leases of studio–2 bed condos & townhomes within 0.5 mi, same school area ($2,651–$3,344).
Beds
1
Baths
1
Sqft
822
Year Built
1977
Days on Market
45
Property Type
Condo
HOA/mo
$595
MLS ID
NDP2608977
This property is in Rancho Bernardo (92128). View neighborhood stats →
About This Property
Welcome home! This adorable, pristine, and beautifully upgraded 1-bedroom condo is the perfect place to call home. At an impressive 822 square feet, this spacious, open, and light-filled unit has been lovingly cared for and thoughtfully upgraded throughout. The large living area opens to a private patio, creating the perfect spot to enjoy your morning coffee, relax in the evening breeze, or take in a beautiful sunset. From the stunning flooring and plantation shutters in the bedroom to the beautifully remodeled bathroom and bright, inviting kitchen featuring gorgeous granite countertops, every detail has been thoughtfully designed for comfort and style. Enjoy the convenience of a 1-car garage and a beautiful gated community pool and hot tub just steps from your front door. The 8th-hole green on the South Nine of the Oaks North Golf Course is just steps from your building, while the Oaks North Community Center is directly across the street. The community center offers an impressive array of amenities, including a heated swimming pool, hot tub, dry sauna, exercise room, library, and so much more. Ideally located close to shopping, dining, and easy freeway access via the I-15, this home offers both comfort and convenience in one of North County's desirable communities. This is a rare opportunity to own a spacious, highly upgraded condo in a wonderful location with resort-style amenities right outside your door. Come see this beautiful home—it won't last long!
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Est. Monthly Payment
$3,669
Location
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Zoned Schools
Elementary
Chaparral Elementary · grades K-5 · Poway Unified
Middle
Bernardo Heights Middle · grades 6-8 · Poway Unified
High
Rancho Bernardo High · grades 9-12 · Poway Unified
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$2,803
Comp Average
$2,621
17637 Pomerado Rd
1bd / 1ba · 831 sqft · Condo
$363K
Est. $2,993/mo
17905 Caminito Pinero
1bd / 1ba · 817 sqft · Condo
$400K
Est. $2,536/mo
11865 Caminito Ronaldo
1bd / 1ba · 817 sqft · Condo
$415K
Est. $2,591/mo
18736 Caminito Cantilena
1bd / 1ba · 814 sqft · Condo
$429K
Est. $2,541/mo
18812 Caminito Cantilena
1bd / 1ba · 814 sqft · Condo
$480K
Est. $2,443/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of studio–2 bed condos & townhomes within 0.5 mi, same school area · $2,651–$3,344
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,885/mo short at 20% down; 81% down or +$2,448/mo rent closes it.
- Break-even price
- $203,595
- Break-even rent
- $5,251/mo
- Cashflow at 35% down
- −$1,418/mo
- Down payment to break even
- 81%
- Rate to break even
- Not reachable
55% under asking
$2,448/mo above the estimate
$363,690 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% 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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