10776 Birch Bluff Ave

10776 Birch Bluff Ave

D

Scripps Ranch, CA 92131

$2,680,000
NEW — 3d on market

Beds

5

Baths

3.5

Sqft

3,877

Year Built

1986

Days on Market

3

Property Type

Single Family

HOA/mo

N/A

MLS ID

260007216SD

View on MLS

Description

Custom Mediterranean bluff-top home in Scripps Ranch (South of Pomerado) offering 3,877 sq ft, 5 bedrooms, and 3.5 baths with sunset views and ocean glimpses on clear days. The main level features formal living and dining areas enhanced by architectural details, including columns, soaring ceilings, and curated lighting, creating expansive spaces ideal for both entertaining and everyday living. The chef’s kitchen is equipped with Dacor stainless steel appliances, quartz countertops, custom cabinetry, wine refrigerator, and warming drawer, and opens seamlessly to the family room; the true heart of the home; complete with fireplace, built-in shelving, soaring ceilings, and warm wood flooring. A main-level bedroom with full bath and direct backyard access provides flexibility for multigenerational living, guest suite, or home office. Upstairs, the primary suite retreat offers a private sanctuary with a fireplace, a sitting area, and a balcony for enjoying sunset views and glimpses of the ocean. Three additional generously sized bedrooms complete the upper level. The backyard is designed for entertaining and indoor-outdoor living, featuring a pool, spa, large deck, built-in BBQ, and dining patio, all set against a backdrop of spectacular elevated views. Recent upgrades include: new roof, two owned solar systems, Tesla EV charger, updated electrical panel, newer windows, central vacuum system, new water heater, and new carpet upstairs. Located minutes to I-15, shopping, dining, Scripps Ranch Community Park, and scenic trails, and served by top-rated schools. No HOA & Mello Ross!

Mortgage Calculator

Est. Monthly Payment

$17,013

Principal & Interest$13,552
Property Tax$2,680
Insurance$782
%($536,000)
%

Investment Score

0D
Est. Monthly Rent
$7,244
Monthly Cashflow

Rent − PITI − HOA

$-9,770
Full Cashflow

Incl. vacancy, PM, maint, capex

$-13,669

Mortgage (P+I)
$13,552
Cap Rate
-0.05%
Cash-on-Cash
-30.60%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.43
Break-even Rent
$24,996

NOI (Annual)
$-1,409
Price-to-Rent

Lower = better for investors

30.8

* 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.

Get Expert AnalysisOpen Full Calculator