12832 Encantadora Lot 45
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12832 Encantadora Lot 45 #Lot 45

D

Rancho Peñasquitos, CA 92129

$961,628
NEW — 1d on market

Beds

4

Baths

3.5

Sqft

1,870

Year Built

2026

Days on Market

1

Property Type

Townhouse

HOA/mo

$498

MLS ID

260009017SD

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

About This Property

Discover modern living in this beautifully designed three-story home offering 4 bedrooms, 3.5 bathrooms, and a two-bay garage perfect for comfortable living with room to grow. Enter through the welcoming foyer, where you’ll find a private fourth bedroom with a full bath ideal for guests, a home office, or flexible living arrangements. The second floor is the heart of the home, featuring an open-concept layout designed for both entertaining and everyday life. Enjoy a bright and airy great room, a dedicated dining space for gatherings, and a spacious kitchen complete with a large center island and walk-in pantry making meal prep and hosting effortless. On the third floor, retreat to the private primary suite with a suite bathroom and walk-in closet. Two additional bedrooms and a full bathroom are conveniently located nearby, along with an upstairs laundry room for added ease and functionality.

Mortgage Calculator

Est. Monthly Payment

$6,603

Principal & Interest$4,863
Property Tax$962
Insurance$280
HOA$498
%($192,326)
%

Location

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Investment Score

3D
Est. Monthly Rent
$4,327
Monthly Cashflow

Rent − PITIA

$-2,275
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,072

Mortgage (P+I)
$4,863
Cap Rate
0.99%
Cash-on-Cash
-25.41%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.66
Break-even Rent
$9,615

NOI (Annual)
$9,490
Price-to-Rent

Lower = better for investors

18.5

* 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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