12605 Oak Knoll Rd
Ctop 80%Poway, CA 92064
An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.
Pass at asking: -$7,220/mo full cashflow at 20% down, 7.43% rate.
Works at $507,864 (65% under asking), or at 92% down.
Rent $5,324/mo from 17 leases of 4-bed houses within 2 mi ($5,126–$5,800).
Beds
4
Baths
3
Sqft
2,629
Year Built
2026
Days on Market
45
Property Type
Single Family
HOA/mo
$199
MLS ID
260023164SD
This property is in Poway (92064). View neighborhood stats →
About This Property
Welcome to Harmon Ranch in Poway! Discover modern living in “The City in the Country” by Lennar. This thoughtfully designed home features an open-concept floorplan, flexible living space, and a private backyard. The Primary Suite is just what you want in your next home, complete with a beautiful free-standing tub, and a generous Walk-in Closet. The secondary bedrooms are spacious, and the Bonus Room is a must-have. Designer selected flooring throughout. Harmon Ranch offers convenience access to parks, local amenities and the desirable Poway Unified School District. Come see Poway’s newest community! Harmon Ranch offers convenience access to parks, local amenities and the desirable Poway Unified School District. Come see Poway’s newest community! Photos or renderings may be of the Model Home and not the actual home.
Mortgage Calculator
Est. Monthly Payment
$10,113
Location
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Zoned Schools
Elementary
Valley Elementary · grades K-5 · Poway Unified
Middle
Meadowbrook Middle · grades 6-8 · Poway Unified
High
Poway 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
$5,324
Comp Average
$5,351
13632 Janette Ln.
4bd / 3ba · 2,594 sqft · Single Family
$1.22M
Est. $5,291/mo
17253 Saint Andrews Drive
4bd / 2ba · 2,622 sqft · Single Family
$1.40M
Est. $5,531/mo
17709 Saint Andrews
4bd / 3ba · 2,726 sqft · Single Family
$1.60M
Est. $5,557/mo
12740 Boxwood Ct
4bd / 2.5ba · 2,300 sqft · Single Family
$1.56M
Est. $5,036/mo
14692 Sunrise Canyon Road
4bd / 2.5ba · 2,994 sqft · Single Family
$1.70M
Est. $5,340/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
17 leases of 4-bed houses within 2 mi · $5,126–$5,800
Blended 50/50 with the zip's market median ($5,178)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$7,220/mo short at 20% down; 92% down or +$9,376/mo rent closes it.
- Break-even price
- $507,864
- Break-even rent
- $14,700/mo
- Cashflow at 35% down
- −$5,712/mo
- Down payment to break even
- 92%
- Rate to break even
- Not reachable
65% under asking
$9,376/mo above the estimate
$1,332,068 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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