10226 Camino San Thomas
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10226 Camino San Thomas

D

4S Ranch, CA 92127

$2,289,000
NEW — 1d

Soft Appraisal Value: $2,223,100 · 3.0% above estimate

Beds

5

Baths

4.5

Sqft

3,729

Year Built

2006

Days on Market

1

Property Type

Single Family

HOA/mo

$112

MLS ID

260011161SD

This property is in 4S Ranch (92127). View neighborhood stats →

Virtual Tour

About This Property

Welcome to this stunning home in the highly desirable 4S Ranch community, where exceptional curb appeal and thoughtful upgrades set the tone from the moment you arrive. A charming front porch leads into a grand formal entry, highlighted by a dramatic wrought iron dual staircase and elegant architectural details. The main level offers incredible versatility, featuring a full bedroom & bathroom, perfect for guests or multigenerational living alongside a private office with built-in cabinetry & a formal dining room ideal for entertaining. The spacious family room is warm and inviting, complete with a fireplace, updated flooring, and custom built-in entertainment center. At the heart of the home is a gourmet kitchen designed for both everyday living & hosting, showcasing rich wood cabinetry, a large center island with granite countertops, Italian tile backsplash & double ovens. Step outside to your private backyard oasis, featuring a generous yard, built-in BBQ, and relaxing jacuzzi, perfect for enjoying Southern California living year-round. Upstairs, the expansive primary suite offers a peaceful retreat with a beautifully appointed bathroom, including tile flooring, white cabinetry, custom tile shower, soaking tub, walk-in closet, and plantation shutters. A large bonus room with its own balcony provides flexible space for a media room or playroom. This home truly combines comfort, style, and functionality in one of San Diego’s most sought-after neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$14,643

Principal & Interest$11,574
Property Tax$2,289
Insurance$668
HOA$112
%($457,800)
%

Location

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Investment Score

5D
Est. Monthly Rent
$7,765
Monthly Cashflow

Rent − PITIA

$-6,878
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,572

Mortgage (P+I)
$11,574
Cap Rate
0.53%
Cash-on-Cash
-27.71%
DSCR

Need ≥ 1.25 for DSCR loan

0.53
Break-even Rent
$21,495

NOI (Annual)
$12,031
Price-to-Rent

Lower = better for investors

24.6

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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