12922 Carmel Creek Rd.
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12922 Carmel Creek Rd. #32

C

Carmel Valley, CA 92130

$1,319,000

Soft Appraisal Value: $1,311,300 · 0.6% above estimate

Beds

3

Baths

3

Sqft

1,604

Year Built

1989

Days on Market

74

Property Type

Townhouse

HOA/mo

$512

MLS ID

260008973SD

This property is in Carmel Valley (92130). View neighborhood stats →

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About This Property

Welcome home to this bright end-unit in the highly coveted Camellia Valley Halcyon community! This 1,604 sq. ft. townhome combines a functional layout with an airy, open feel, highlighted by soaring high ceilings and expansive windows that fill the home with natural light from three sides. The home offers flexible living with a full bedroom and bathroom on the entry level, ideal for a home office, guest suite, or multi-generational living. The kitchen features a brand-new stainless-steel gas range and a high-performance hood with external exhaust, perfect for cooking enthusiasts. Throughout the home, you’ll find luxury vinyl flooring and plantation shutters that add both style and practicality. An oversized patio off the dining area creates a seamless indoor-outdoor flow, ideal for BBQs and entertaining. The spacious primary suite serves as a true retreat with dramatic high ceilings, enhancing its open and relaxing feel. An attached 2-car garage provides convenience along with additional storage space. Located in a prime San Diego pocket, you’re just minutes from parks, shopping, and top-tier education, with assignment to highly rated schools including Carmel Creek Elementary School right across the street. Clean, well-maintained, and attractively priced, this home presents a rare opportunity to move into a premier neighborhood and make it your own.

Mortgage Calculator

Est. Monthly Payment

$8,885

Principal & Interest$6,670
Property Tax$1,319
Insurance$385
HOA$512
%($263,800)
%

Location

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Investment Score

5D
Est. Monthly Rent
$4,995
Monthly Cashflow

Rent − PITIA

$-3,891
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,139

Mortgage (P+I)
$6,670
Cap Rate
0.48%
Cash-on-Cash
-27.92%
DSCR

Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$12,967

NOI (Annual)
$6,372
Price-to-Rent

Lower = better for investors

22.0

* 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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