12604 Carmel Country Road

12604 Carmel Country Road

D

San Diego, CA 92130

$915,000

Beds

2

Baths

2.5

Sqft

1,088

Year Built

1993

Days on Market

14

Property Type

Condo

HOA/mo

$600

MLS ID

NDP2601146

Description

Quietly nestled within the Elysian enclave, this upgraded townhome in Carmel Valley blooms with coastal serenity and modern grace. Two primary suites—one downstairs for effortless access, another upstairs for tranquil retreat—blend privacy with poise. Sun-kissed laminate floors lead you into a remodeled kitchen: granite counters shimmer beneath soft light, tile backsplash echoes seaside elegance, while stainless appliances and generous storage promise every meal a joy. A genuine gas fireplace warms quiet evenings, backed by fresh A/C, furnace, and water heater—all installed recently, so you settle in without a whisper of worry. Half bath below welcomes guests; full laundry hums discreetly; and your two-car tandem garage—fitted with EV charging—stands ready for tomorrow’s drive. Outside? Mere steps to pools, spa, gym—the good life distilled. Four miles to Torrey Pines’ waves, a stroll from One Paseo’s lights, shops, films, and the hush of Carmel Valley trails. Schools glow with prestige, parks breathe wide open. No fuss, just flow. Not end-unit loudness—just peaceful, polished living. Welcome to the kind of home that feels like home from the very first key

Mortgage Calculator

Est. Monthly Payment

$6,409

Principal & Interest$4,627
Property Tax$915
Insurance$267
HOA$600
%($183,000)
%

Investment Score

2D
Est. Monthly Rent

Zillow Rent Zestimate

$3,826
Monthly Cashflow
$-4,225

Mortgage (P+I)
$4,627
Cap Rate
0.53%
Cash-on-Cash
-27.71%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.83
Break-even Rent
$7,745

NOI (Annual)
$4,818
Price-to-Rent

Lower = better for investors

19.9

* Defaults: 20% down, 6.5% rate, 30yr.

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