13238 Wimberly Square #194
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13238 Wimberly Square #194

Ctop 80%

Rancho Bernardo, CA 92128Neighborhood: Sabre Springs

$599,000
STR: check · no permits in this complex · TOT 12.75%

4 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 10, 2026.

No unit in this 92-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$2,846/mo full cashflow at 20% down, 7.43% rate.

Works at $228,434 (62% under asking), or at 89% down.

Rent $2,792/mo from 8 leases of 2-bed condos & townhomes within 0.5 mi ($2,702–$2,807).

Beds

2

Baths

2

Sqft

907

Year Built

1987

Days on Market

104

Property Type

Condo

HOA/mo

$395

MLS ID

PTP2605682

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

Virtual Tour

About This Property

Welcome Home to Stony Brook, Discover the perfect blend of modern comfort & natural serenity in this highly sought after upstairs unit in the Sabre Springs community. Take in peaceful canyon views overlooking Chicarita Creek as you relax on your huge, covered balcony. Luxury comforts of Dual Master Suites Featuring custom made California Closets in both bedrooms. One of the Master Suites features Spa like Bath with a stunning walk-in shower with a rainfall feature. The Kitchen has Smart Samsung Black Stainless Steel Appliances Wi-Fi enabled Refrigerator with French Door, Freezer with an ice machine, a low-noise dishwasher, & stove with a built-in air fryer. Brand new windows throughout home; including an operable kitchen window. In unit laundry with stacked Samsung washer/Dryer, New Vinyl flooring throughout, Wi-Fi enabled thermostat, & a highly efficient heat pump for year round comfort. Located in the top rated Poway Unified School District with low HOA fees. Steps away from the pool, hot tub, and nature trails, while being just 2 miles from Costco, Home Depot, and the shops at Carmel Mountain. Commuting is a breeze with instant access to the I-15 and SR-56. Don't miss this energy efficient, turnkey home in one of San Diego's favorite neighborhoods!

Mortgage Calculator

Est. Monthly Payment

$4,496

Principal & Interest$3,328
Property Tax$599
Insurance$175
HOA$395
%($119,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Morning Creek Elementary · grades K-5 · Poway Unified

  • Middle

    Meadowbrook Middle · grades 6-8 · Poway Unified

  • High

    Mt. Carmel High · grades 9-12 · Poway Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

34C
Est. Monthly Rent
$2,792

8 leases of 2-bed condos & townhomes within 0.5 mi · $2,702–$2,807

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,705
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,846

What would make this work?

$2,846/mo short at 20% down; 89% down or +$3,696/mo rent closes it.

Break-even price

62% under asking

$228,434
Break-even rent

$3,696/mo above the estimate

$6,488/mo
Cashflow at 35% down
−$2,222/mo
Down payment to break even

$533,110 cash

89%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,328
Cap Rate
1.24%
Cash-on-Cash
-28.51%
DSCR

Need ≥ 1.25 for DSCR loan

0.62

NOI (Annual)
$7,455
Price-to-Rent

Lower = better for investors

17.9

* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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CCashflow−$2,846/mo