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To list your property with Belmont Brokerage, contact us at (818) 967-6311 or email brokerage@bbandm.com. Our team will provide a complimentary AI-powered Comparative Market Analysis (CMA), professional staging recommendations, and a customized marketing strategy. We list on the MLS and through our exclusive off-market network for maximum exposure.

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12245 Carmel Vista Rd 292 — San Diego — 2 Beds • 2 Baths • 1,269 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+26 more

$908,000

64 DOM

$716/sqft2 bd2 ba1,269 sqftHOA ~599/mo

Call

12245 Carmel Vista Rd 292 San Diego, CA 92130

3.76acre lot

Rare offering in the heart of Carmel Valley’s most coveted community. This beautifully upgraded, move-in ready residence showcases a bright, open-concept design with 2 spacious bedrooms plus a versatile loft easily converted into a third bedroom, executive office, or bonus retreat. Thoughtfully curated finishes, abundant natural light, and seamless indoor-outdoor flow create an elevated yet comfortable living experience. Award winning garden with year round appeal, feels like walking in a Japanese Garden! Enjoy access to the award-winning Del Mar Union and San Dieguito Union school districts, with parks, upscale shopping, dining, beaches, and major freeways just minutes away. A prime location, turnkey condition, and limited inventory make this an exceptional opportunity you don’t want to miss.

MLS 260003192SD

858-829-2321 (Office) 858-231-9889 (Cell) TorreyPinesdev@gmail.com

Est. payment

$6,401/mo

Principal & interestTaxesInsuranceHOA

$4,591$946$265$599

Down %

Rate %

Years

Down payment: $181,600 · Total cost: $1,834,483

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$6,401/mo

Principal & interest: $4,591
Est. property tax: $946
Est. insurance: $265
HOA (normalized / mo): $599
Down payment: $181,600

Est. gross rent$3,783/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)$-2,618/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

Opens interactive virtual tour

Price History

Event	Date	Price	Change
Listed	Feb 11, 2026	$928,888	—

Facts & Features

Transaction Data

▼Price Reduced from $928,888 (−$20,888)

HOA Fee$599/monthly

Structure & Property

Year Built1985

858-829-2321 (Office) 858-231-9889 (Cell) TorreyPinesdev@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

12245 Carmel Vista Rd 292, San Diego, CA 92130

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Call

12245 Carmel Vista Rd 292 San Diego, CA 92130

About this home

Natalie Ye

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Natalie Ye

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

12245 Carmel Vista Rd 292, San Diego, CA 92130

About This Property

Property Photos

12245 Carmel Vista Rd 292 San Diego, CA 92130

About this home

Natalie Ye

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Natalie Ye

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.