11533 Big Canyon Lane
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11533 Big Canyon Lane

Dbottom 20%

Scripps Ranch, CA 92131

$3,199,000
STR: check · no permits on this tract · TOT 12.75%

2 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 10, 2026.

None of the 71 homes on this home's recorded tract holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$18,927/mo full cashflow at 20% down, 7.43% rate.

Works at $734,732 (77% under asking); even all cash loses money at asking.

Rent $7,575/mo from 17 leases of houses in 92131, size-adjusted ($7,152–$8,080).

Beds

6

Baths

5.5

Sqft

5,100

Year Built

2012

Days on Market

95

Property Type

Single Family

HOA/mo

$190

MLS ID

260019325SD

This property is in Scripps Ranch (92131). View neighborhood stats →

Virtual Tour

About This Property

Fantastic Property with Breathtaking Canyon Views and Ultimate Resort-Style Living! Welcome to extraordinary luxury at 11533 Big Canyon Lane, where a stunning open-concept design and premium finishes create the ultimate Southern California lifestyle experience. Flooded with natural light, the home features a gourmet kitchen with expansive glass doors that seamlessly open to a spectacular backyard oasis complete with a saltwater pool, spa, and breathtaking panoramic canyon views. Ideal for both effortless entertaining and absolute privacy, the estate also includes a private detached one-bedroom, one-bathroom casita for guests, all surrounded by beautifully landscaped grounds that make every day feel like a resort getaway.

Mortgage Calculator

Est. Monthly Payment

$22,094

Principal & Interest$17,772
Property Tax$3,199
Insurance$933
HOA$190
%($639,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Morning Creek Elementary · grades K-5 · Poway Unified

  • Middle

    Meadowbrook Middle · grades 6-8 · Poway Unified

  • High

    Mt. Carmel High · grades 9-12 · Poway Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

0D
Est. Monthly Rent
$7,575

17 leases of houses in 92131, size-adjusted · $7,152–$8,080

Monthly Cashflow

Rent − PITIA

-$14,519
Full Cashflow

Incl. vacancy, PM, maint, capex

-$18,927

What would make this work?

$18,927/mo short at 20% down; +$24,580/mo rent closes it.

Break-even price

77% under asking

$734,732
Break-even rent

$24,580/mo above the estimate

$32,155/mo
Cashflow at 35% down
−$15,595/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$17,772
Cap Rate
-0.29%
Cash-on-Cash
-35.50%
DSCR

Need ≥ 1.25 for DSCR loan

0.34

NOI (Annual)
-$9,316
Price-to-Rent

Lower = better for investors

35.2

* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

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

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DCashflow−$18,927/mo