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12010 Calle De Montana 301 — El Cajon — 2 Beds • 1 Bath • 913 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+22 more

$489,000

15 DOM

$536/sqft2 bd1 ba913 sqftHOA ~364/mo

Call

12010 Calle De Montana 301 El Cajon, CA 92019

4.38acre lot

Well-maintained 2-bedroom, 1-bathroom townhome in the highly desirable Rancho Villas community. This inviting home offers a functional layout with an attached 1-car garage and the convenience of in-unit washer and dryer. Clean and well cared for throughout, it presents a great opportunity for a buyer to move in as-is or update to their own style over time. Rancho Villas features an impressive selection of amenities including three pools, three spas, two tennis courts, a fitness room, and a clubhouse available for private reservation, offering a true resort-style living experience. Ideally centrally located with convenient access to shopping, dining, and major freeways, this home delivers both comfort and long-term potential in a well-maintained community.

MLS 260007437SD

619-222-6800 (Office) 619-247-2114 (Cell) mp4realty@gmail.com

Est. payment

$3,489/mo

Principal & interestTaxesInsuranceHOA

$2,473$509$143$364

Down %

Rate %

Years

Down payment: $97,800 · Total cost: $987,954

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$3,489/mo

Principal & interest: $2,473
Est. property tax: $509
Est. insurance: $143
HOA (normalized / mo): $364
Down payment: $97,800

Est. gross rent$2,038/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-1,451/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Virtual Tour

Explore 3D Space

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Price History

Event	Date	Price	Change
Listed	Mar 30, 2026	$489,000	—

Facts & Features

Transaction Data

HOA Fee$364/monthly

Structure & Property

Year Built1992

Garage Spaces1

619-222-6800 (Office) 619-247-2114 (Cell) mp4realty@gmail.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

12010 Calle De Montana 301, El Cajon, CA 92019

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Call

12010 Calle De Montana 301 El Cajon, CA 92019

About this home

Michael Panissidi

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Michael Panissidi

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

12010 Calle De Montana 301, El Cajon, CA 92019

About This Property

Property Photos

12010 Calle De Montana 301 El Cajon, CA 92019

About this home

Michael Panissidi

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Michael Panissidi

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.