
12556 Chetenham Ln
Ctop 80%Rancho Bernardo, CA 92128Neighborhood: Rancho Bernardo
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
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
$6,618
Comp Average
$5,758
12550 Shropshire Ln
5bd / 3ba · 2,761 sqft · Single Family
$1.48M
Est. $6,034/mo
11707 Aspen View
6bd / 3ba · 2,709 sqft · Single Family
$1.68M
Est. $5,773/mo
11907 Mil Pitrero Road
5bd / 3ba · 2,352 sqft · Single Family
$1.62M
Est. $5,274/mo
13989 Royal Melbourne Square
4bd / 3ba · 2,504 sqft · Single Family
$1.55M
Est. $5,162/mo
18343 Saint Etienne Lane
4bd / 3.5ba · 3,435 sqft · Single Family
$2.19M
Est. $6,548/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
14 leases of 4–6 bed houses within 2 mi · $6,268–$7,450
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,561/mo short at 20% down; 84% down or +$8,521/mo rent closes it.
- Break-even price
- $640,686
- Break-even rent
- $15,139/mo
- Cashflow at 35% down
- −$5,004/mo
- Down payment to break even
- 84%
- Rate to break even
- Not reachable
57% under asking
$8,521/mo above the estimate
$1,255,800 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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