12740 Camino Emparrado
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12740 Camino Emparrado

C

Rancho Bernardo, CA 92128

$995,900
NEW — 3d

Soft Appraisal Value: $970,200 · 2.6% above estimate

Beds

2

Baths

2

Sqft

1,528

Year Built

1979

Days on Market

3

Property Type

Single Family

HOA/mo

N/A

MLS ID

260015582SD

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

Virtual Tour

About This Property

Move-in-ready home in the highly desirable Oaks North 55+ community! This beautifully updated 2 bed, 2 bath residence features laminate flooring, recessed lighting, plantation shutters, and crown molding throughout. The modernized kitchen offers stainless steel appliances, granite countertops, abundant cabinetry with pull-out drawers, and a charming bay window overlooking the backyard. The spacious primary suite includes a newly renovated ensuite bathroom with a walk-in shower, built-in bench, safety bars, and a washlet, along with a large walk-in closet and direct access to the backyard. Designed for comfort and privacy, this popular floor plan features dual primary suites located on opposite sides of the home. Enjoy low-maintenance zeroscape landscaping in both the front and back yards, a covered patio perfect for relaxing or entertaining, and mature fruit trees. Additional highlights include a finished 2-car garage, newer A/C and furnace, high ceilings, tile roof, and tiled flooring in main living areas. The Oaks North community offers resort-style amenities including a pool, clubhouse, and more. Superbly maintained with beautiful east and south-facing views—this home is a must-see!

Mortgage Calculator

Est. Monthly Payment

$6,322

Principal & Interest$5,036
Property Tax$996
Insurance$290
%($199,180)
%

Location

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Investment Score

12D
Est. Monthly Rent
$3,454
Monthly Cashflow

Rent − PITIA

$-2,868
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,492

Mortgage (P+I)
$5,036
Cap Rate
0.66%
Cash-on-Cash
-27.06%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$9,288

NOI (Annual)
$6,525
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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