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12721 Via La Gardenia — Poway — 3 Beds • 2 Baths • 1,162 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+25 more

$949,000

1 DOM

$817/sqft3 bd2 ba1,162 sqft

Call

12721 Via La Gardenia Poway, CA 92064

Charming home in Poway in a great location! This 3 bedroom, 2 bathroom home has been lovingly cared for over the years and is just waiting on the right person to call it home. Inside features hardwood floors throughout, an enclosed patio, a cozy living room fireplace and plenty of natural light. Outside you will enjoy mature lemon, orange and grapefruit trees, low maintenance turf, and a spacious front yard. Located in a fantastic spot in Poway close to tons of shops and restaurants, and less than a 10 minute drive to Carmel Mountain Ranch and the I-15 freeway. This home will not last long!

MLS 260008786SD

858-391-5800 (Office) 858-229-2213 (Cell) michellewarnerrealestate@gmail.com

Est. payment

$6,065/mo

Principal & interestTaxesInsurance

$4,799$989$277

Down %

Rate %

Years

Down payment: $189,800 · Total cost: $1,917,318

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$6,065/mo

Principal & interest: $4,799
Est. property tax: $989
Est. insurance: $277
Down payment: $189,800

Est. gross rent$3,954/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)$-2,111/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.

Price History

Event	Date	Price	Change
Listed	Apr 14, 2026	$899,000	—

Facts & Features

Structure & Property

Year Built1973

Garage Spaces2

858-391-5800 (Office) 858-229-2213 (Cell) michellewarnerrealestate@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

12721 Via La Gardenia, Poway, CA 92064

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Call

12721 Via La Gardenia Poway, CA 92064

About this home

Michelle Warner

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Michelle Warner

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

12721 Via La Gardenia, Poway, CA 92064

About This Property

Property Photos

12721 Via La Gardenia Poway, CA 92064

About this home

Michelle Warner

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Michelle Warner

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.