13957 Carmel Ridge Rd

13957 Carmel Ridge Rd

D

Rancho Bernardo, CA 92128

$1,449,000

Soft Appraisal Value: $1,434,300 · 1.0% above estimate

Beds

4

Baths

3.5

Sqft

2,406

Year Built

1991

Days on Market

46

Property Type

Single Family

HOA/mo

$58

MLS ID

260003875SD

Description

Welcome to this beautiful home in the highly desirable Carmel Mountain Ranch community. Thoughtfully designed with a spacious and functional layout, this home offers abundant natural light throughout, creating a warm and inviting atmosphere from the moment you step inside. Recent upgrades include a brand-new roof and solar system, providing peace of mind and energy efficiency for years to come. Each bedroom is generously sized, with four full bathrooms offering comfort and convenience for family and guests alike. Ideally located near premier shopping, dining, and everyday essentials, and just minutes from top-rated schools, this home also offers easy freeway access for a smooth commute. Enjoy all the benefits of a well-kept neighborhood with a low HOA. Don’t miss this incredible opportunity to own a home in one of North County’s most sought-after communities!

Mortgage Calculator

Est. Monthly Payment

$9,257

Principal & Interest$7,327
Property Tax$1,449
Insurance$423
HOA$58
%($289,800)
%

Investment Score

3D
Est. Monthly Rent
$5,439
Monthly Cashflow

Rent − PITIA

$-3,818
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,276

Mortgage (P+I)
$7,327
Cap Rate
0.87%
Cash-on-Cash
-25.99%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.59
Break-even Rent
$13,590

NOI (Annual)
$12,606
Price-to-Rent

Lower = better for investors

22.2

* 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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