12556 Chetenham Ln
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12556 Chetenham Ln

Ctop 80%

Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo

$1,495,000
NEW — 0d
STR: check · no permits on this tract · TOT 11.75%

2 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 6, 2026.

None of the 41 homes on this home's recorded tract 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: -$6,561/mo full cashflow at 20% down, 7.43% rate.

Works at $640,686 (57% under asking), or at 84% down.

Rent $6,618/mo from 14 leases of 4–6 bed houses within 2 mi ($6,268–$7,450).

Beds

5

Baths

3

Sqft

2,978

Year Built

1986

Days on Market

0

Property Type

Single Family

HOA/mo

$174.99

MLS ID

260026395SD

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

About This Property

Soaring ceilings, expansive windows, and generous living spaces define this nearly 3,000-square-foot, 5-bedroom, 3-bath home in Rancho Bernardo's Montelena community. The entry, featuring parquet flooring, opens to an impressive living room with dramatic two-story windows that fill the space with natural light, a fireplace, and a striking staircase. The adjoining formal dining room offers convenient access to both the kitchen and living room, along with French doors leading outdoors. The generously sized kitchen features granite countertops, a center island with cooktop, double wall ovens, abundant counter space, and a built-in desk area. Opening directly to the family room with its own cozy fireplace, these connected living spaces provide a comfortable setting for everyday living and entertaining. An open bar counter with sink, conveniently situated between the living and family rooms, adds to the home's entertaining appeal. A main-level bedroom with a built-in window seat and direct access to the adjoining full bathroom adds flexibility for guests, extended family, or multigenerational living. Upstairs, the spacious primary suite features vaulted ceilings, large windows, and a skylight that brings additional natural light into the bedroom and ensuite bath. The primary bath offers three separate closets, a large dual-sink vanity, soaking tub, and separate shower. Three additional generously sized bedrooms and a full hall bath with two separate vanities complete the upper level. Outdoors, a patio provides space for dining, relaxing, and entertaining. Additional features include an owned Tesla solar system and membership in the Rancho Bernardo Swim & Tennis Club, offering access to swimming pools, spa, sports courts, fitness center, and recreational amenities. Conveniently located near the Rancho Bernardo Inn, Bernardo Winery, golf courses, shopping, dining, and the I-15 corridor, this home offers an appealing combination of architectural character, versatile living spaces, and opportunities to make it your own!

Mortgage Calculator

Est. Monthly Payment

$10,411

Principal & Interest$8,305
Property Tax$1,495
Insurance$436
HOA$175
%($299,000)
%
Loan Term

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.

Investment Score

17C
Est. Monthly Rent
$6,618

14 leases of 4–6 bed houses within 2 mi · $6,268–$7,450

Monthly Cashflow

Rent − PITIA

-$3,793
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,561

What would make this work?

$6,561/mo short at 20% down; 84% down or +$8,521/mo rent closes it.

Break-even price

57% under asking

$640,686
Break-even rent

$8,521/mo above the estimate

$15,139/mo
Cashflow at 35% down
−$5,004/mo
Down payment to break even

$1,255,800 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$8,305
Cap Rate
1.67%
Cash-on-Cash
-26.33%
DSCR

Need ≥ 1.25 for DSCR loan

0.64

NOI (Annual)
$24,899
Price-to-Rent

Lower = better for investors

18.8

* 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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CCashflow−$6,561/mo