10449 Monterey Ridge Dr
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10449 Monterey Ridge Dr

C

4S Ranch, CA 92127

$1,725,000
NEW — 6d

Soft Appraisal Value: $1,690,200 · 2.1% above estimate

Beds

4

Baths

3.5

Sqft

2,558

Year Built

2010

Days on Market

6

Property Type

Single Family

HOA/mo

$105

MLS ID

260016127SD

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

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About This Property

LIGHT & BRIGHT CORNER LOT in the heart of the highly sought-after 4S Ranch community. PRIME LOCATION - Offering approximately 2,558 square feet of thoughtfully designed living space, this move-in-ready residence features 4 bedrooms, 4 bathrooms, a versatile loft, and a spacious 3-car garage. Ideally located within WALKING distance to Monterey Ridge Elementary School, Patriot Park, Pioneer Park, scenic trails, and community amenities, this home delivers the lifestyle today's families are searching for. Step inside to discover a light-filled open-concept floor plan featuring wood flooring throughout the first floor and staircase, fresh interior paint and expansive living spaces designed for both everyday living and entertaining. The spacious family room is anchored by a cozy fireplace and custom built-in entertainment center, creating the perfect gathering space for family and friends. The chef-inspired kitchen serves as the heart of the home, featuring granite countertops and backsplash, stainless steel appliances, abundant cabinetry, and a large center island with breakfast bar seating. Adjacent dining and living spaces flow seamlessly together, while French doors open to the private backyard, creating effortless indoor-outdoor living. Upstairs, the spacious primary suite offers a relaxing retreat with a walk-in closet and a spa-like bathroom complete with dual travertine vanities, travertine flooring, a soaking tub, and a separate shower. A built-in study loft with custom desks and shelving provides an ideal space for homework, remote work, or creative projects. Additional highlights include a dedicated laundry room with sink and storage, wooden shutters throughout, private balcony, abundant storage space, and an attached 3-car garage with epoxy flooring. Outside, enjoy a beautifully landscaped and private backyard featuring mature plum and peach trees, inviting patio spaces, and plenty of room for outdoor dining, entertaining, and relaxing year-round. Living in 4S Ranch means enjoying one of San Diego's premier master-planned communities, with access to top-rated Poway Unified schools, community parks/events, sports fields, community events, shopping, dining, and the nearby 4S Ranch Town Center. Combining an exceptional location, functional floor plan, and outstanding community amenities, this is an opportunity not to be missed.

Mortgage Calculator

Est. Monthly Payment

$11,056

Principal & Interest$8,723
Property Tax$1,725
Insurance$503
HOA$105
%($345,000)
%

Location

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Investment Score

4D
Est. Monthly Rent
$5,654
Monthly Cashflow

Rent − PITIA

$-5,402
Full Cashflow

Incl. vacancy, PM, maint, capex

$-8,139

Mortgage (P+I)
$8,723
Cap Rate
0.41%
Cash-on-Cash
-28.31%
DSCR

Need ≥ 1.25 for DSCR loan

0.51
Break-even Rent
$16,225

NOI (Annual)
$6,997
Price-to-Rent

Lower = better for investors

25.4

* 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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