13635 Shoal Summit
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13635 Shoal Summit

D

Rancho Bernardo, CA 92128

$1,800,000
NEW — 1d

Beds

4

Baths

2.5

Sqft

3,304

Year Built

1999

Days on Market

1

Property Type

Single Family

HOA/mo

$62

MLS ID

260010168SD

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

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About This Property

Welcome to your private oasis in the highly sought-after Summit community of Carmel Mountain Ranch! This beautifully maintained 3,304 SF, 4-bedroom, 2.5-bath home with owned Solar offers the perfect blend of comfort, style, and functionality, complete with an upstairs loft ideal for a home office or playroom. Step outside to a south-facing backyard designed for both relaxing and entertaining—featuring a heated pool and spa, a water fall, low-maintenance hardscape, and serene mountain views with no neighbors behind. It’s the ultimate setting for enjoying Southern California living. Inside, the remodeled kitchen is a true centerpiece, thoughtfully designed with stainless steel appliances, granite countertops, dual sinks, a pot filler over the gas cooktop, a large vent hood, and an expansive island with generous seating—perfect for gathering with family and friends. Upstairs, the inviting primary suite boasts a renovated balcony (2024) and a spacious ensuite bath, creating a peaceful retreat. All bedrooms are equipped with ceiling fans for year-round comfort. Additional highlights include an owned solar system, EV-ready charging outlet, dual central air conditioning, double-door front entry, a built-in desk in the loft, overhead storage in the three-car garage, and three fireplaces that add warmth and character throughout the home. Best of all— no Mello-Roos! Ideally located near scenic hiking trails and just minutes from premier shopping and dining including Costco, The Home Depot, Trader Joe’s, and Target. With quick access to State Route 56 and Interstate 15, plus proximity to top-rated Poway Unified schools like Shoal Creek Elementary School, this home offers exceptional convenience in a prime location. This is the one you’ve been waiting for!

Mortgage Calculator

Est. Monthly Payment

$11,489

Principal & Interest$9,102
Property Tax$1,800
Insurance$525
HOA$62
%($360,000)
%

Location

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Investment Score

2D
Est. Monthly Rent
$5,368
Monthly Cashflow

Rent − PITIA

$-6,121
Full Cashflow

Incl. vacancy, PM, maint, capex

$-8,855

Mortgage (P+I)
$9,102
Cap Rate
0.16%
Cash-on-Cash
-29.52%
DSCR

Need ≥ 1.25 for DSCR loan

0.47
Break-even Rent
$16,869

NOI (Annual)
$2,956
Price-to-Rent

Lower = better for investors

27.9

* 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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