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12092 Riley Ln — San Diego — 2 Beds • 3 Baths • 1,513 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+22 more

$939,000

0 DOM

$621/sqft2 bd3 ba1,513 sqftHOA ~464/mo

Call

12092 Riley Ln San Diego, CA 92128

2025 Lennar build in Laurel at The Trails without the waitlist! Turn-key Residence 2 builder upgrade model in highly sought-after Carmel Mountain Ranch, featuring a light, open-concept layout with upgraded finishes throughout. Expansive windows showcase unobstructed south-facing views and fill the home with natural light. Ideally positioned just steps from a newly constructed park, this home blends lifestyle and convenience. Owner improvements include LVP flooring and upgraded island lighting. Residents enjoy resort-style amenities including pools, parks, and walking trails. Additional features include a spacious two-car garage and solar. Don't miss your opportunity to own this immaculate property in one of San Diego's premier neighborhoods.

MLS 260008840SD

949-697-2781 (Office) 619-718-1017 (Cell) ambersellssandiego@gmail.com

Est. payment

$6,464/mo

Principal & interestTaxesInsuranceHOA

$4,748$978$274$464

Down %

Rate %

Years

Down payment: $187,800 · Total cost: $1,897,114

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$6,464/mo

Principal & interest: $4,748
Est. property tax: $978
Est. insurance: $274
HOA (normalized / mo): $464
Down payment: $187,800

Est. gross rent$3,913/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)$-2,551/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 15, 2026	$939,000	—

Facts & Features

Transaction Data

HOA Fee$464/monthly

Structure & Property

Year Built2025

Garage Spaces2

949-697-2781 (Office) 619-718-1017 (Cell) ambersellssandiego@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

12092 Riley Ln, San Diego, CA 92128

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Call

12092 Riley Ln San Diego, CA 92128

About this home

Amber Welch

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Amber Welch

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

12092 Riley Ln, San Diego, CA 92128

About This Property

Property Photos

12092 Riley Ln San Diego, CA 92128

About this home

Amber Welch

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Amber Welch

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.