12821 Encantadora
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12821 Encantadora #42

D

Rancho Peñasquitos, CA 92129

$905,000

Soft Appraisal Value: $853,700 · 6.0% above estimate

Beds

3

Baths

3.5

Sqft

1,654

Year Built

2026

Days on Market

128

Property Type

Townhouse

HOA/mo

$498

MLS ID

250045512SD

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

About This Property

Enjoy pride of ownership every time you come home to this move-in ready three-story floorplan offering two to three bedrooms, two and a half to three and a half bathrooms, and an attached two-bay garage. The charming first-floor flex space ideal as a bedroom or home office provides convenient access to both the garage and front entry. On the second level, an open-concept layout reveals a spacious great room and modern kitchen, perfect for entertaining. Guests can gather around the kitchen island with cocktails while you put the finishing touches on dinner. Upstairs on the third floor, your private retreat awaits. The primary suite features a generous walk-in closet and a luxurious bathroom, with the laundry room conveniently located nearby. A secondary bedroom with its own private bathroom offers an ideal setup for a roommate or visiting guests.

Mortgage Calculator

Est. Monthly Payment

$6,243

Principal & Interest$4,576
Property Tax$905
Insurance$264
HOA$498
%($181,000)
%

Location

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Investment Score

5D
Est. Monthly Rent
$4,720
Monthly Cashflow

Rent − PITIA

$-1,523
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,363

Mortgage (P+I)
$4,576
Cap Rate
1.61%
Cash-on-Cash
-22.30%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.76
Break-even Rent
$9,087

NOI (Annual)
$14,559
Price-to-Rent

Lower = better for investors

16.0

* 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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