129 Cancha De Golf
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129 Cancha De Golf

Ctop 80%

Rancho Santa Fe, CA 92091

$1,539,000
STR: check · HOA rules unknown · TOT 8%

HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.

Pass at asking: -$7,686/mo full cashflow at 20% down, 7.43% rate.

Works at $538,332 (65% under asking), or at 92% down.

Rent $6,380/mo from 4 leases of 2–4 bed condos & townhomes in Rancho Santa Fe ($5,898–$8,507).

Beds

3

Baths

2.5

Sqft

1,764

Year Built

1966

Days on Market

82

Property Type

Condo

HOA/mo

$778

MLS ID

260020278SD

This property is in Rancho Santa Fe (92091). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to 129 Cancha de Golf, where the relaxed elegance of Rancho Santa Fe meets the vibrant energy of coastal living. Tucked within the sought-after Whispering Palms Villas, this beautifully updated residence offers privacy, lush surroundings, and an exceptional location on the west side of Rancho Santa Fe. A spacious private entry courtyard sets the tone, featuring custom pavers and a sparkling fountain—an inviting retreat for morning coffee, entertaining friends, or evenings by the fire under the stars. Inside, the largest floor plan offered in the Villas has been refreshed with new interior paint and plush new carpeting throughout. The kitchen features stainless steel appliances and a pantry, opening effortlessly to the dining and living areas, where a cozy fireplace creates a warm and welcoming gathering space. Upstairs, all three bedrooms feature soaring vaulted ceilings, while beautifully remodeled bathrooms bring a fresh, modern feel to the home. Indoor-outdoor living continues with a second private patio opening directly to the manicured greenbelt, creating a peaceful backdrop just moments from the community pool and nearby fairways. The location is what truly sets this home apart. Just steps away is the newly revitalized La Valle Coastal Club, offering 27 holes of golf, pickleball, tennis, fitness, spa amenities, dining, and more. Ideally positioned for both convenience and lifestyle, 129 Cancha de Golf offers easy access to I-5, the charm of Rancho Santa Fe Village and The Inn at Rancho Santa Fe, and the beaches, dining, and excitement of Del Mar RaceTrack Welcome to 129 Cancha de Golf, where the relaxed elegance of Rancho Santa Fe meets the vibrant energy of coastal living. Tucked within the sought-after Whispering Palms Villas, this beautifully updated residence offers privacy, lush surroundings, and an exceptional location on the west side of Rancho Santa Fe. A spacious private entry courtyard sets the tone, featuring custom pavers and a sparkling fountain—an inviting retreat for morning coffee, entertaining friends, or evenings by the fire under the stars. Inside, the largest floor plan offered in the Villas has been refreshed with new interior paint and plush new carpeting throughout. The kitchen features stainless steel appliances and a pantry, opening effortlessly to the dining and living areas, where a cozy fireplace creates a warm and welcoming gathering space. Upstairs, all three bedrooms feature soaring vaulted ceilings, while beautifully remodeled bathrooms bring a fresh, modern feel to the home. Indoor-outdoor living continues with a second private patio opening directly to the manicured greenbelt, creating a peaceful backdrop just moments from the community pool and nearby fairways. The location is what truly sets this home apart. Just steps away is the newly revitalized La Valle Coastal Club, offering 27 holes of golf, pickleball, tennis, fitness, spa amenities, dining, and more. Ideally positioned for both convenience and lifestyle, 129 Cancha de Golf offers easy access to I-5, the charm of Rancho Santa Fe Village and The Inn at Rancho Santa Fe, and the beaches, dining, and excitement of Del Mar and the iconic Del Mar Racetrack just minutes away. Move-in ready, beautifully updated, and surrounded by some of North County’s most desirable amenities, 129 Cancha de Golf is an opportunity to enjoy the best of Rancho Santa Fe and coastal San Diego living.

Mortgage Calculator

Est. Monthly Payment

$11,316

Principal & Interest$8,550
Property Tax$1,539
Insurance$449
HOA$778
%($307,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Solana Santa Fe Elementary · grades K-6 · Solana Beach Elementary

  • Middle

    Earl Warren Middle · grades 7-8 · San Dieguito Union High

  • High

    Torrey Pines High · grades 9-12 · San Dieguito Union High

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

Comparable Properties

2 comps found

This Property

$6,380

vs

Comp Average

$6,281

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

9C
Est. Monthly Rent
$6,380

4 leases of 2–4 bed condos & townhomes in Rancho Santa Fe · $5,898–$8,507

Blended 50/50 with the zip's market median ($5,593)

Monthly Cashflow

Rent − PITIA

-$4,936
Full Cashflow

Incl. vacancy, PM, maint, capex

-$7,686

What would make this work?

$7,686/mo short at 20% down; 92% down or +$9,981/mo rent closes it.

Break-even price

65% under asking

$538,332
Break-even rent

$9,981/mo above the estimate

$16,361/mo
Cashflow at 35% down
−$6,083/mo
Down payment to break even

$1,415,880 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$8,550
Cap Rate
0.92%
Cash-on-Cash
-29.96%
DSCR

Need ≥ 1.25 for DSCR loan

0.56

NOI (Annual)
$14,197
Price-to-Rent

Lower = better for investors

20.1

* 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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CCashflow−$7,686/mo