12708 Rue Vincennes

12708 Rue Vincennes

D

Scripps Ranch, CA 92131

$2,180,000
NEW — 4d on market

Beds

5

Baths

3

Sqft

3,105

Year Built

1984

Days on Market

4

Property Type

Single Family

HOA/mo

$225

MLS ID

260007011SD

Description

Rare opportunity! Located in Scripps Ranch, this Loire Valley home sits on a cul-de-sac backing to two greenbelts. Bright and spacious, this 3,105 sqft home offers 5 bedrooms (including 1 office & 1 oversized bonus room), with lush greenery views from nearly every window, delivering the indoor-outdoor lifestyle today’s buyers are seeking. The first floor was remodeled in 2019 to create a seamless open-concept layout connecting the gourmet kitchen, family room, and breakfast nook. Features include quartz countertops, KitchenAid appliances, custom cabinetry, luxury vinyl planks, and a large pantry with wine storage. High ceiling living room, large dining room. Flexible layout with main-level bedroom + full bath (ideal for guests or office). Upstairs offers a large primary suite with a fireplace, dual walk-in closets, plus two additional bedrooms, a large bedroom/bonus room, and an oversized laundry/craft room. The award-winning backyard (featured in Better Homes & Gardens) is a private retreat with tropical landscaping, multiple seating areas, covered pathways, and a new spa (2023). Additional highlights: Solar system, 3-car garage, with 220V plug for electric car, new furnace, and fire-resistant roof. Located in the desirable Loire Valley with HOA amenities including pool, spa, tennis, and pickleball, plus top-rated schools and convenient freeway access. This isn’t just a home; it’s a daily retreat. Morning coffee surrounded by greenery. Evenings in your spa under the stars. Weekends entertaining in a space designed to bring people together.

Mortgage Calculator

Est. Monthly Payment

$14,064

Principal & Interest$11,023
Property Tax$2,180
Insurance$636
HOA$225
%($436,000)
%

Investment Score

1D
Est. Monthly Rent
$7,244
Monthly Cashflow

Rent − PITI − HOA

$-6,820
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,303

Mortgage (P+I)
$11,023
Cap Rate
0.40%
Cash-on-Cash
-28.36%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.52
Break-even Rent
$20,625

NOI (Annual)
$8,643
Price-to-Rent

Lower = better for investors

25.1

* 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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