12695 Camino Mira Del Mar

12695 Camino Mira Del Mar #118

D

Carmel Valley, CA 92130

$685,000
NEW — 5d on market

Beds

2

Baths

2

Sqft

864

Year Built

1994

Days on Market

5

Property Type

Condo

HOA/mo

$330

MLS ID

260007503SD

Description

Welcome to this beautifully upgraded upper-level residence in the highly sought-after Del Mar Villas of Carmel Valley. Privately situated with serene greenbelt views, this bright 2-bedroom, 2-bath home features an open layout, fresh paint, modern updates, and in-unit laundry. Enjoy resort-style amenities including a pool, spa, tennis courts, fitness center, and lush landscaped grounds. Ideally located in the top-rated San Dieguito Union High School District and just minutes from One Paseo, Del Mar Highlands, beaches, dining, and easy freeway access—offering the perfect blend of comfort, convenience, and coastal living.

Mortgage Calculator

Est. Monthly Payment

$4,679

Principal & Interest$3,464
Property Tax$685
Insurance$200
HOA$330
%($137,000)
%

Investment Score

4D
Est. Monthly Rent
$3,208
Monthly Cashflow

Rent − PITIA

$-1,471
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,779

Mortgage (P+I)
$3,464
Cap Rate
1.20%
Cash-on-Cash
-24.35%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.69
Break-even Rent
$6,818

NOI (Annual)
$8,212
Price-to-Rent

Lower = better for investors

17.8

* 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.

Get Expert AnalysisOpen Full Calculator