12639 Calle Charmona
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12639 Calle Charmona

C

Rancho Bernardo, CA 92128

$1,280,000
NEW — 6d

Soft Appraisal Value: $1,250,100 · 2.4% above estimate

Beds

3

Baths

2

Sqft

1,969

Year Built

1988

Days on Market

6

Property Type

Single Family

HOA/mo

$180

MLS ID

PTP2604943

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

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About This Property

Welcome to 12639 Calle Charmona, a beautifully maintained single-story residence nestled in the highly sought-after Rancho Bernardo community. Offering approximately 1,969 square feet of living space, this inviting home features 3 bedrooms, 2 bathrooms, and a thoughtfully designed floor plan that balances comfort and functionality. Natural light fills the spacious living areas, creating a warm and welcoming atmosphere ideal for both everyday living and entertaining. The well-appointed kitchen flows seamlessly into the main gathering spaces, while the generous primary suite provides a peaceful retreat with ample room to relax and unwind. Situated on a sizable lot of over 7,600 square feet, the outdoor space offers endless possibilities for gardening, outdoor dining, or creating your own private backyard oasis. The property's established landscaping enhances its curb appeal and complements the tranquil neighborhood setting. Located in the heart of Rancho Bernardo, residents enjoy convenient access to shopping, dining, golf, parks, top-rated schools, and the area's renowned recreational amenities. Combining a desirable location, comfortable single-level living, and timeless appeal, this home presents an exceptional opportunity to enjoy the best of North County San Diego living.

Mortgage Calculator

Est. Monthly Payment

$8,306

Principal & Interest$6,472
Property Tax$1,280
Insurance$373
HOA$180
%($256,000)
%

Location

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Investment Score

6D
Est. Monthly Rent
$4,658
Monthly Cashflow

Rent − PITIA

$-3,647
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,785

Mortgage (P+I)
$6,472
Cap Rate
0.64%
Cash-on-Cash
-27.12%
DSCR

Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$12,171

NOI (Annual)
$8,244
Price-to-Rent

Lower = better for investors

22.9

* 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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