12672 Carmel Country Road

12672 Carmel Country Road

Ctop 80%

Carmel Valley, CA 92130

$1,375,000
NEW — 0d
STR: check · no permits in this complex · TOT 11.75%

10 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 32-unit complex 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: -$6,238/mo full cashflow at 20% down, 7.36% rate.

Works at $558,710 (59% under asking), or at 86% down.

Rent $5,879/mo from 8 leases of 4-bed houses within 1 mi ($4,570–$5,231).

Beds

4

Baths

3

Sqft

1,608

Year Built

1999

Days on Market

0

Property Type

Single Family

HOA/mo

$257

MLS ID

NDP2610222

This property is in Carmel Valley (92130). View neighborhood stats →

Virtual Tour

About This Property

This beautifully bright DETACHED home in the Antares community of Carmel Valley is rarely available. The updated, modern interior features an open layout, high ceilings, a private patio, and an attached 2-car garage. Upstairs are three bedrooms and two full bathrooms, including a spacious primary suite with an ensuite bath featuring dual vanities. The fourth bedroom on the lower level has its own ensuite bath, making it ideal for a guest suite, home office, or multi-generational living. Recent updates include paint, carpet, tankless water heater, whole house water filter, and a new dishwasher. Antares residents enjoy two pools, a fitness center, rec room. Highly walkable to award-winning schools, Del Mar Highlands, One Paseo, Carmel Valley Rec Center Park and Tennis club as well as Carmel Valley library.

Mortgage Calculator

Est. Monthly Payment

$9,619

Principal & Interest$7,586
Property Tax$1,375
Insurance$401
HOA$257
%($275,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Carmel Creek Elementary · grades K-3 · Solana Beach Elementary

  • Middle

    Carmel Valley Middle · grades 7-8 · San Dieguito Union High

  • High

    Torrey Pines High · grades 9-12 · San Dieguito Union High

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

14C
Est. Monthly Rent
$5,879

8 leases of 4-bed houses within 1 mi · $4,570–$5,231

Blended 50/50 with the zip's market median ($6,701)

Monthly Cashflow

Rent − PITIA

-$3,740
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,238

What would make this work?

$6,238/mo short at 20% down; 86% down or +$8,102/mo rent closes it.

Break-even price

59% under asking

$558,710
Break-even rent

$8,102/mo above the estimate

$13,981/mo
Cashflow at 35% down
−$4,816/mo
Down payment to break even

$1,182,500 cash

86%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,586
Cap Rate
1.43%
Cash-on-Cash
-27.22%
DSCR

Need ≥ 1.25 for DSCR loan

0.61

NOI (Annual)
$19,703
Price-to-Rent

Lower = better for investors

19.5

* Modelled at 20% down, 7.36% 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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CCashflow−$6,238/mo