12876 Circulo Dardo
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12876 Circulo Dardo

D

Rancho Bernardo, CA 92128

$1,150,000
NEW — 1d on market

Soft Appraisal Value: $1,122,100 · 2.5% above estimate

Beds

3

Baths

2

Sqft

1,565

Year Built

1979

Days on Market

1

Property Type

Single Family

HOA/mo

$418

MLS ID

PTP2602839

This property is in Rancho Bernardo (92128). View neighborhood stats →

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About This Property

Beautiful single-story home located in the highly sought-after 55+ Oaks North community of Rancho Bernardo. Tucked away on a quiet cul-de-sac near a private park, this meticulously cared-for residence reflects true pride of ownership. Significant upgrades have already been completed, including a new roof, HVAC system, dual-pane windows, pavers, appliances, custom garage storage, solar and more! Residents enjoy access to the Oaks North Community Center with its swimming pool, tennis courts, and pickleball. An exceptional opportunity to enjoy comfortable living in a vibrant and welcoming neighborhood.

Mortgage Calculator

Est. Monthly Payment

$7,718

Principal & Interest$5,815
Property Tax$1,150
Insurance$335
HOA$418
%($230,000)
%

Location

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Investment Score

1D
Est. Monthly Rent
$4,185
Monthly Cashflow

Rent − PITIA

$-3,533
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,454

Mortgage (P+I)
$5,815
Cap Rate
0.38%
Cash-on-Cash
-28.46%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.54
Break-even Rent
$11,268

NOI (Annual)
$4,333
Price-to-Rent

Lower = better for investors

22.9

* 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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