18880 Caminito Cantilena
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18880 Caminito Cantilena #63

C

Rancho Bernardo, CA 92128

$1,025,000

Beds

3

Baths

2.5

Sqft

1,362

Year Built

2000

Days on Market

10

Property Type

Single Family

HOA/mo

$125

MLS ID

NDP2605847

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

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About This Property

Highly sought after opportunity to own a detached home in the desirable gated community of Bernardo Vista Del Lago which features a two-car garage plus an additional two-car driveway - 4 private parking spaces, a rare and convenient find within the neighborhood. Inside, the home has been thoughtfully updated with an upgraded kitchen, refreshed bathrooms, and quality flooring throughout, creating a clean and comfortable living space. A new dual-speed HVAC system with heat pump and new air conditioning delivering optimal climate control year-round. Additional comfort features include inside laundry with a new LG washer, a water softener system, and a personal Tesla charging station in the garage offering the perfect blend of luxury and sustainability. Step outside into your own tranquil, private backyard retreat, ideal for morning coffee, al fresco dining, or evening relaxation under the Southern California sky. The setting offers a rare sense of serenity while remaining just moments from an array of exceptional community amenities. Residents of Vista Del Lago enjoy access to a resort-inspired lifestyle, including beautifully maintained parks, a picturesque duck pond, two sparkling swimming pools, two spas, a fully equipped fitness center, tennis and pickleball courts, and a dedicated community EV charging center - all within the security and exclusivity of a gated enclave. Perfectly positioned within the highly acclaimed Poway Unified School District, this home also offers unparalleled convenience for commuters, with immediate access to major freeways, shopping, dining, and entertainment. A rare blend of privacy, sophistication, and resort-style living - this is Southern California living at its finest.

Mortgage Calculator

Est. Monthly Payment

$6,632

Principal & Interest$5,183
Property Tax$1,025
Insurance$299
HOA$125
%($205,000)
%

Location

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Investment Score

8D
Est. Monthly Rent
$3,588
Monthly Cashflow

Rent − PITIA

$-3,044
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,723

Mortgage (P+I)
$5,183
Cap Rate
0.54%
Cash-on-Cash
-27.65%
DSCR

Need ≥ 1.25 for DSCR loan

0.54
Break-even Rent
$9,722

NOI (Annual)
$5,515
Price-to-Rent

Lower = better for investors

23.8

* 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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