12821 Encantadora Lot 41

12821 Encantadora Lot 41

D

Rancho Peñasquitos, CA 92129

$850,546
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

260007217SD

View on MLS

Description

Move-in ready and meticulously maintained, this stunning three-story home showcases true pride of ownership and features an array of designer upgrades throughout. Offering a versatile layout with three bedrooms and three-and-a-half bathrooms, plus an attached two-bay garage, this residence seamlessly blends comfort, style, and functionality. The first floor features a charming flex space or optional bedroom with convenient access to both the garage and front entry—perfect for guests, a home office, or multi-generational living. On the second level, the home opens to a bright and spacious great room and modern kitchen, thoughtfully enhanced with designer finishes and upgraded details. Gather around the oversized kitchen island as guests enjoy cocktails while you prepare meals with ease in this beautifully appointed space. Retreat to the third floor, where your private primary suite awaits, complete with a generous walk-in closet and a spa-inspired en-suite bathroom with upgraded features. The conveniently located laundry room adds everyday ease. A secondary bedroom with its own private bathroom provides an ideal setup for roommates or visiting family.

Mortgage Calculator

Est. Monthly Payment

$5,897

Principal & Interest$4,301
Property Tax$851
Insurance$248
HOA$498
%($170,109)
%

Investment Score

3D
Est. Monthly Rent
$4,057
Monthly Cashflow

Rent − PITI − HOA

$-1,840
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,482

Mortgage (P+I)
$4,301
Cap Rate
1.15%
Cash-on-Cash
-24.56%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.69
Break-even Rent
$8,579

NOI (Annual)
$9,823
Price-to-Rent

Lower = better for investors

17.5

* 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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