12728 Camino De La Breccia
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12728 Camino De La Breccia #13

D

Rancho Bernardo, CA 92128

$725,000
NEW — 2d on market

Soft Appraisal Value: $712,700 · 1.7% above estimate

Beds

3

Baths

2

Sqft

1,350

Year Built

1980

Days on Market

2

Property Type

Condo

HOA/mo

$420

MLS ID

260008506SD

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

About This Property

Located on a quiet cul-de-sac and backing to open green space in the 55+ Oaks North Community, this single-story end-unit villa lives like a detached home. With vaulted ceilings and no one above, it offers a bright, open, and private feel. Natural light fills the family room and kitchen, which features granite countertops, white wood cabinetry, stainless steel appliances, and a vent hood. The back patio is ideal for entertaining, relaxing, or gardening, with a peaceful, park-like setting overlooking the greenbelt and community lawn. Additional highlights include an indoor front-loading washer and dryer, wood and tile flooring, and newer windows and sliding doors. The primary bedroom offers vaulted ceilings, a spacious walk-in closet, and a private patio with direct garage access. Conveniently located between the Rancho Bernardo Winery and Oaks North Golf Course, residents also enjoy access to the Oaks North Community Center with amenities such as a pool, pickleball, tennis, and more.

Mortgage Calculator

Est. Monthly Payment

$5,022

Principal & Interest$3,666
Property Tax$725
Insurance$211
HOA$420
%($145,000)
%

Location

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Investment Score

3D
Est. Monthly Rent
$3,370
Monthly Cashflow

Rent − PITIA

$-1,652
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,031

Mortgage (P+I)
$3,666
Cap Rate
1.05%
Cash-on-Cash
-25.09%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.67
Break-even Rent
$7,307

NOI (Annual)
$7,617
Price-to-Rent

Lower = better for investors

17.9

* 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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