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12876 Circulo Dardo — San Diego — 3 Beds • 2 Baths • 1,565 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+26 more

$1,150,000

0 DOM

$735/sqft3 bd2 ba1,565 sqftHOA ~418/mo

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12876 Circulo Dardo San Diego, CA 92128

Beautiful single-story home located in the highly sought-after 55+ Oaks North community of Rancho Bernardo. Tucked away on a quiet cul-de-sac near a private park, this meticulously cared-for residence reflects true pride of ownership. Significant upgrades have already been completed, including a new roof, HVAC system, dual-pane windows, pavers, appliances, custom garage storage, solar and more! Residents enjoy access to the Oaks North Community Center with its swimming pool, tennis courts, and pickleball. An exceptional opportunity to enjoy comfortable living in a vibrant and welcoming neighborhood.

MLS PTP2602839

619-482-9200 (Office) 619-250-7066 (Cell) kelcey@realtyexecutivesdillon.com

Est. payment

$7,766/mo

Principal & interestTaxesInsuranceHOA

$5,815$1,198$335$418

Down %

Rate %

Years

Down payment: $230,000 · Total cost: $2,323,409

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$7,766/mo

Principal & interest: $5,815
Est. property tax: $1,198
Est. insurance: $335
HOA (normalized / mo): $418
Down payment: $230,000

Est. gross rent$4,792/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)$-2,974/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 10, 2026	$1,150,000	—

Facts & Features

Transaction Data

HOA Fee$418/monthly

Structure & Property

Year Built1979

Garage Spaces2

619-482-9200 (Office) 619-250-7066 (Cell) kelcey@realtyexecutivesdillon.com

Sale & Tax History

No Recent Sales History

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

Location

12876 Circulo Dardo, San Diego, CA 92128

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12876 Circulo Dardo San Diego, CA 92128

About this home

Kelcey Felber

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Kelcey Felber

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

12876 Circulo Dardo, San Diego, CA 92128

About This Property

Property Photos

12876 Circulo Dardo San Diego, CA 92128

About this home

Kelcey Felber

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Kelcey Felber

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.