12782 Jardin Road San Diego

12782 Jardin Road San Diego

D

, CA 92128

$1,360,000

Beds

4

Baths

2

Sqft

2,307

Year Built

1972

Days on Market

15

Property Type

Single Family

HOA/mo

$486.84

MLS ID

260001505SD

Description

Rare opportunity in the heart of Rancho Bernardo on an expansive 0.55-acre corner lot. This 4-bedroom, 2-bath, Southwest-facing, single-story home offers over 2,300 sq ft of living space with a pool and spa in the highly desirable Poway Unified School District. A den can easily convert to a 5th bedroom, and the property has room for a full guest house or ADU. A long driveway with new pavers can accommodate multiple vehicles, along with a custom 2-car garage featuring epoxy floors and built-in storage cabinets. Recent updates include new wood flooring, new HVAC, and full attic refresh. Conveniently located near shopping, groceries, coffee, restaurants, and the Rancho Bernardo Swim & Tennis Club (membership included with 6 visits per year, with option to add more). A rare combination of lot size, layout, location, and long-term potential in one of Rancho Bernardo’s most desirable neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$9,120

Principal & Interest$6,877
Property Tax$1,360
Insurance$397
HOA$487
%($272,000)
%

Investment Score

1D
Est. Monthly Rent

Estimated Rent

$4,827
Monthly Cashflow

Rent − PITI − HOA

$-4,294
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,537

Mortgage (P+I)
$6,877
Cap Rate
0.30%
Cash-on-Cash
-18.94%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.70
Break-even Rent
$9,121

NOI (Annual)
$4,075
Price-to-Rent

Lower = better for investors

23.5

* Defaults: 20% down, 6.5% rate, 30yr.

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