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12570 Carmel Creek 89 — San Diego — 1 Bed • 1 Bath • 638 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+18 more

$599,000

4 DOM

$939/sqft1 bd1 ba638 sqftHOA ~330/mo

Call

12570 Carmel Creek 89 San Diego, CA 92130

14.13acre lot

Welcome to a beautifully updated residence in the highly desirable Del Mar Villas community in Carmel Valley. Surrounded by lush, park-like landscaping, tranquil streams, and charming walking paths, this home offers a serene, resort-style living experience. Step inside to discover a bright, open-concept layout featuring modern finishes, wood-style flooring, and a seamless flow between the living, dining, and kitchen areas—perfect for both everyday living and entertaining. The kitchen showcases crisp white cabinetry, stainless steel appliances, and a functional breakfast bar that opens to the main living space. Residents of this sought-after community enjoy access to resort-style amenities including a pool, spa, fitness center, tennis courts, and clubhouse, all set within meticulously landscaped grounds. Conveniently located near top-rated schools, premier shopping, dining, and just minutes from the beach, this home offers the best of coastal San Diego living.

MLS 260008412SD

619-618-7997 (Office) 858-295-0558 (Cell) Michel.Goldstein@TheWBGroup.com

Est. payment

$4,158/mo

Principal & interestTaxesInsuranceHOA

$3,029$624$175$330

Down %

Rate %

Years

Down payment: $119,800 · Total cost: $1,210,193

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$4,158/mo

Principal & interest: $3,029
Est. property tax: $624
Est. insurance: $175
HOA (normalized / mo): $330
Down payment: $119,800

Est. gross rent$2,496/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)$-1,662/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	Apr 9, 2026	$599,000	—

Facts & Features

Transaction Data

HOA Fee$330/monthly

Structure & Property

Year Built1990

619-618-7997 (Office) 858-295-0558 (Cell) Michel.Goldstein@TheWBGroup.com

Sale & Tax History

No Recent Sales History

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

Location

12570 Carmel Creek 89, San Diego, CA 92130

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Call

12570 Carmel Creek 89 San Diego, CA 92130

About this home

Michel Goldstein

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Michel Goldstein

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

12570 Carmel Creek 89, San Diego, CA 92130

About This Property

Property Photos

12570 Carmel Creek 89 San Diego, CA 92130

About this home

Michel Goldstein

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Michel Goldstein

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.