12624 Camino Emparrado
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12624 Camino Emparrado

D

Rancho Bernardo, CA 92128

$1,299,000
NEW — 1d

Soft Appraisal Value: $1,274,900 · 1.9% above estimate

Beds

3

Baths

2

Sqft

1,909

Year Built

1977

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260009223SD

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

About This Property

Welcome home to 12624 Camino Emparrado, a beautifully renovated single story retreat in the heart of Rancho Bernardo's beloved Oaks North 55+ community. Redesigned by a professional interior decorator, this turnkey 3-bedroom, 2-bath home is move-in ready and built for enjoying the best of Southern California living. The open-concept layout with soaring vaulted ceilings and a designer kitchen featuring warm-toned cabinetry, quartz countertops, and a center island make everyday living and entertaining a pleasure. Step outside and unwind in your own private oasis. The expansive side yard is a rare find, offering generous space to relax, entertain, and soak in breathtaking western mountain views. End your evenings gathered around the fire pit as the sun sets over the hills. This is the outdoor lifestyle you've been dreaming of. And when you're ready to get out and play, Oaks North has you covered. Golf, tennis, swimming, and a vibrant clubhouse scene and Rancho Bernardo Winery are all right around the corner, making it easy to stay as active and social as you choose. Come see for yourself. All that's left to do is enjoy it.

Mortgage Calculator

Est. Monthly Payment

$8,246

Principal & Interest$6,568
Property Tax$1,299
Insurance$379
%($259,800)
%

Location

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Investment Score

4D
Est. Monthly Rent
$4,139
Monthly Cashflow

Rent − PITIA

$-4,107
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,142

Mortgage (P+I)
$6,568
Cap Rate
0.39%
Cash-on-Cash
-28.37%
DSCR

Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$12,116

NOI (Annual)
$5,118
Price-to-Rent

Lower = better for investors

26.2

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

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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