12727 La Tortola
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12727 La Tortola

C

Rancho Peñasquitos, CA 92129

$1,649,900
NEW — 4d

Beds

4

Baths

3

Sqft

2,310

Year Built

1984

Days on Market

4

Property Type

Single Family

HOA/mo

N/A

MLS ID

260016587SD

This property is in Rancho Peñasquitos (92129). View neighborhood stats →

Virtual Tour

About This Property

Welcome to this beautifully updated Rancho Peñasquitos home with No HOA and No Mello-Roos. Move-in ready, it features a desirable first-floor bedroom and a full bath. Remodeled kitchen, new recess lighting, new LVP flooring and new vanity in Master bath (2022), plus extensive 2026 upgrades, including a new water heater, new vanity and flooring on hall bath, new LVP flooring on master bathroom, refreshed landscaping and updated hardware. The resort-style backyard boasts a sparkling pool, spa, built-in BBQ, and fire pit—perfect for entertaining. Enjoy the added luxury of a wine cellar, RV/boat parking, and paid solar. Conveniently located near shopping, dining, the YMCA, library, and award-winning Poway Unified schools, this home offers the ideal blend of comfort, convenience, and California living. Designed for both everyday living and effortless entertaining, the backyard is a private retreat featuring a sparkling pool and spa, built-in BBQ grill, cozy fire pit, and beautifully refreshed landscaping—perfect for enjoying Southern California's year-round sunshine. Wine enthusiasts will appreciate the dedicated wine cellar, while the RV/boat parking provides exceptional flexibility for your recreational lifestyle. The paid solar system, offers valuable long-term energy savings. Ideally located just minutes from shopping, restaurants, the library, YMCA, and fire and police stations, this home is also served by the award-winning Poway Unified School District, including Canyon View Elementary, Mesa Verde Middle School, and Westview High School. Combining extensive modern upgrades, resort-style amenities, RV/boat parking, and an unbeatable location, this is a rare opportunity to own an exceptional Rancho Peñasquitos home.

Mortgage Calculator

Est. Monthly Payment

$10,474

Principal & Interest$8,343
Property Tax$1,650
Insurance$481
%($329,980)
%

Location

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Investment Score

7D
Est. Monthly Rent
$5,729
Monthly Cashflow

Rent − PITIA

$-4,745
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,437

Mortgage (P+I)
$8,343
Cap Rate
0.66%
Cash-on-Cash
-27.05%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$15,388

NOI (Annual)
$10,866
Price-to-Rent

Lower = better for investors

24.0

* 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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