12977 Camino Emparrado
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12977 Camino Emparrado

C

Rancho Bernardo, CA 92128

$989,999
NEW — 1d

Soft Appraisal Value: $972,900 · 1.8% above estimate

Beds

2

Baths

2

Sqft

1,350

Year Built

1979

Days on Market

1

Property Type

Single Family

HOA/mo

$595

MLS ID

260017250SD

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

About This Property

Welcome to this exceptional single-story retreat, ideally located in the Oaks North 55+ community on a quiet cul-de-sac with sweeping panoramic views of the Oaks North Golf Course. This light-filled residence showcases vaulted ceilings, newer luxury vinyl plank flooring, recessed lighting, and fresh interior paint, creating a bright and inviting atmosphere throughout. The spacious living room with a cozy fireplace, flows seamlessly into the dining room, both showcasing the rolling fairways and lush greens of the golf course. The upgraded kitchen is equipped with Thermador stainless steel appliances, quartz countertops, custom cabinetry, bar seating, and a charming garden window. A breakfast nook and separate dining area offer flexible options for everyday living and hosting guests. The spa-like primary bathroom offers a serene escape with an impressive walk-in shower and beautifully upgraded finishes. The backyard is truly a showstopper! A spacious patio with an aluminum pergola for shade, and low-maintenance landscaping with mature citrus trees, create a perfect setting for entertaining, relaxing or dining al fresco while taking in the beautiful golf course backdrop. Residents enjoy access to the Oaks North Community Center, featuring a pool, spa, tennis, pickleball courts, a fitness center and more..Conveniently located near golf, shopping, dining, Rancho Bernardo Inn, and Bernardo Winery. This home offers the perfect combination of luxury, leisure, and lifestyle while all set against the picturesque, and unobstructed resort like golf course views.

Mortgage Calculator

Est. Monthly Payment

$6,880

Principal & Interest$5,006
Property Tax$990
Insurance$289
HOA$595
%($198,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$3,409
Monthly Cashflow

Rent − PITIA

$-3,471
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,080

Mortgage (P+I)
$5,006
Cap Rate
-0.09%
Cash-on-Cash
-30.79%
DSCR

Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$10,006

NOI (Annual)
$-889
Price-to-Rent

Lower = better for investors

24.2

* 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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