10575 Spruce Grove Ave San Diego

10575 Spruce Grove Ave San Diego

D

Scripps Ranch, CA 92131

$1,885,000

Beds

5

Baths

3.5

Sqft

3,553

Year Built

1988

Days on Market

26

Property Type

Single Family

HOA/mo

$185

MLS ID

260002869SD

Description

Best value on the South side of Pomerado! Spacious Whispering Ridge home offering scenic views, great natural light, and exceptional flexibility. The main level features a welcoming living room with a fireplace, a large dining room, and a family room with a fireplace, treetop views, and balcony access. The kitchen is well-appointed with quartz countertops and newer appliances. Upstairs includes 4 bedrooms and 2 baths, all with views and abundant natural light. The lower level is ideal for multigenerational living or an au pair suite, featuring a bedroom, a living/game room, and a separate bonus room that is perfect for a gym or office. Enjoy a large, peaceful backyard surrounded by mature trees and greenbelt, offering privacy and space to relax or entertain. Upgrades include new luxury vinyl plank flooring, quartz counters in the kitchen and baths, a solar system, a new roof, new windows, a new furnace, a filtration system, plus an extra-large laundry room and garage. Whispering Ridge amenities include a pool, tennis courts, and a clubhouse.

Mortgage Calculator

Est. Monthly Payment

$12,151

Principal & Interest$9,532
Property Tax$1,885
Insurance$550
HOA$185
%($377,000)
%

Investment Score

5D
Est. Monthly Rent

Market Rent Estimate

$7,244
Monthly Cashflow

Rent − PITI − HOA

$-4,908
Full Cashflow

Incl. vacancy, PM, maint, capex

$-8,145

Mortgage (P+I)
$9,532
Cap Rate
0.88%
Cash-on-Cash
-15.62%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.76
Break-even Rent
$12,152

NOI (Annual)
$16,645
Price-to-Rent

Lower = better for investors

21.7

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

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