12821 Encantadora Lot 41
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12821 Encantadora Lot 41 #Unit 41

B

Rancho Peñasquitos, CA 92129

$885,000

Soft Appraisal Value: $882,900 · 0.2% above estimate

Beds

3

Baths

3.5

Sqft

1,654

Year Built

2026

Days on Market

104

Property Type

Townhouse

HOA/mo

$498

MLS ID

260007217SD

This property is in Rancho Peñasquitos (92129). View neighborhood stats →

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About This Property

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

$6,116

Principal & Interest$4,475
Property Tax$885
Insurance$258
HOA$498
%($177,000)
%

Location

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Investment Score

31C
Est. Monthly Rent
$4,470
Monthly Cashflow

Rent − PITIA

$-1,646
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,412

Mortgage (P+I)
$4,475
Cap Rate
1.44%
Cash-on-Cash
-23.13%
DSCR

Need ≥ 1.25 for DSCR loan

0.73
Break-even Rent
$8,901

NOI (Annual)
$12,761
Price-to-Rent

Lower = better for investors

16.5

* 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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