12821 Encantadora Lot 40

12821 Encantadora Lot 40 #Unit 440

D

Rancho Peñasquitos, CA 92129

$875,000
NEW — 3d on market

Beds

3

Baths

3.5

Sqft

1,654

Year Built

2026

Days on Market

3

Property Type

Townhouse

HOA/mo

$498

MLS ID

260007775SD

Description

Take pride in coming home to this thoughtfully designed three-story floorplan offering three bedrooms, three-and-a-half baths, and an attached two-bay garage. This move-in ready home is ready for you to enjoy don’t miss out. The first floor features a versatile flex space or optional bedroom with convenient access to both the front entry and garage. The second level opens to a spacious great room and modern kitchen, perfect for entertaining. Guests can gather around the kitchen island while you add the finishing touches to a meal. On the third floor, your private retreat awaits. The primary suite includes a generous walk-in closet and a luxurious bath, with the laundry room conveniently located nearby. A secondary bedroom with its own private bathroom offers a comfortable space for guests, roommates, or visiting family.

Mortgage Calculator

Est. Monthly Payment

$6,053

Principal & Interest$4,424
Property Tax$875
Insurance$255
HOA$498
%($175,000)
%

Investment Score

3D
Est. Monthly Rent
$3,994
Monthly Cashflow

Rent − PITIA

$-2,058
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,706

Mortgage (P+I)
$4,424
Cap Rate
0.98%
Cash-on-Cash
-25.41%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.66
Break-even Rent
$8,807

NOI (Annual)
$8,619
Price-to-Rent

Lower = better for investors

18.3

* 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.

Get Expert AnalysisOpen Full Calculator