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12832 Encantadora lot 45 Lot 45 — Photo 1

Active

$961,628

0 DOM

$514/sqft4 bd4 ba1,870 sqftHOA ~498/mo

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12832 Encantadora lot 45 Lot 45 San Diego, CA 92129

Discover modern living in this beautifully designed three-story home offering 4 bedrooms, 3.5 bathrooms, and a two-bay garage perfect for comfortable living with room to grow. Enter through the welcoming foyer, where you’ll find a private fourth bedroom with a full bath ideal for guests, a home office, or flexible living arrangements. The second floor is the heart of the home, featuring an open-concept layout designed for both entertaining and everyday life. Enjoy a bright and airy great room, a dedicated dining space for gatherings, and a spacious kitchen complete with a large center island and walk-in pantry making meal prep and hosting effortless. On the third floor, retreat to the private primary suite with a suite bathroom and walk-in closet. Two additional bedrooms and a full bathroom are conveniently located nearby, along with an upstairs laundry room for added ease and functionality.

MLS 260009017SD

949-438-1400 (Office) 858-472-0060 (Cell) karen.smith@tripointehomes.com

Est. payment

$6,643/mo

Principal & interestTaxesInsuranceHOA

$4,863$1,002$280$498

Down %

Rate %

Years

Down payment: $192,326 · Total cost: $1,942,831

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$6,643/mo

Principal & interest: $4,863
Est. property tax: $1,002
Est. insurance: $280
HOA (normalized / mo): $498
Down payment: $192,326

Est. gross rent$4,007/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)$-2,636/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 16, 2026	$961,628	—

Facts & Features

Transaction Data

HOA Fee$498/monthly

Structure & Property

Year Built2026

Garage Spaces2

949-438-1400 (Office) 858-472-0060 (Cell) karen.smith@tripointehomes.com

Sale & Tax History

No Recent Sales History

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

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12832 Encantadora lot 45 Lot 45 — San Diego — 4 Beds • 4 Baths • 1,870 Sq Ft | Belmont Brokerage | Belmont Brokerage

12832 Encantadora lot 45 Lot 45 San Diego, CA 92129

About this home

Karen Smith

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Karen Smith

Sale & Tax History

No Recent Sales History

12832 Encantadora lot 45 Lot 45, San Diego, CA 92129

About This Property

Property Photos

Location

Listing Agent

Presented by Belmont Brokerage Inc.

12832 Encantadora lot 45 Lot 45 San Diego, CA 92129

About this home

Karen Smith

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Karen Smith

Sale & Tax History

No Recent Sales History