12863 Camino De La Breccia

12863 Camino De La Breccia

D

Rancho Bernardo, CA 92128

$699,000

Beds

3

Baths

2

Sqft

1,350

Year Built

1980

Days on Market

79

Property Type

Condo

HOA/mo

$420

MLS ID

250046046SD

Description

PRICE REDUCED! Seller motivated! Light, Bright, & Beautiful Retreat! Welcome to this light and bright home perfectly positioned next to a peaceful greenbelt. Solar tubes fill the space with natural light, highlighting the freshly painted interior and brand new wide-plank neutral luxury vinyl flooring throughout. The crisp white kitchen features stainless steel appliances. Dual-pane windows and doors enhance comfort and efficiency, while the cozy living room fireplace creates a perfect spot to relax. Enjoy seamless indoor-outdoor living with a back patio that faces a park-like setting-ideal for morning coffee or evening unwinding. As an end unit, this home offers added privacy and tranquility. Meet friends at the pool, pickle ball court, tennis court, lawn bowling, water aerobics or any of the many activities offered at the Oaks North Community Center. At Oaks North Villas you are not just buying a home but a lifestyle. Oaks North is a 55+ community.

Mortgage Calculator

Est. Monthly Payment

$4,857

Principal & Interest$3,535
Property Tax$699
Insurance$204
HOA$420
%($139,800)
%

Investment Score

13D
Est. Monthly Rent
$3,913
Monthly Cashflow

Rent − PITI − HOA

$-945
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,427

Mortgage (P+I)
$3,535
Cap Rate
1.90%
Cash-on-Cash
-8.11%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.81
Break-even Rent
$4,858

NOI (Annual)
$13,290
Price-to-Rent

Lower = better for investors

14.9

* 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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