14014 Calle Cardenas San Diego

14014 Calle Cardenas San Diego

D

Carmel Valley, CA 92130

$2,199,000

Beds

4

Baths

2.5

Sqft

2,517

Year Built

1989

Days on Market

8

Property Type

Single Family

HOA/mo

$675

MLS ID

NDP2601659

Description

Located in Senterra, part of the prestigious Three Villages of Fairbanks, this residence offers privacy, tranquility, and refined coastal-close living within one of North County’s premier gated communities. Surrounded by manicured grounds, resort-style pools, and scenic golf course vistas, the home blends security, comfort, and an elevated lifestyle. Light-filled interiors and a thoughtfully designed floor plan create a seamless balance of functionality and everyday elegance. Secondary bedrooms are situated on the lower level—ideal for guests, extended family, or a dedicated home office—while the layout supports both relaxed daily living and effortless entertaining. Privately positioned as the only room on the upper level, the primary suite serves as a peaceful retreat, offering separation and enhanced privacy. Just moments from one of the community’s resort-style pools, the home enjoys convenient access to serene outdoor spaces. Ideally located near Fairbanks Ranch Country Club, One Paseo, Del Mar Highlands Town Center, Del Mar Beach, and the renowned Del Mar Racetrack, with convenient access to Interstate 5, 56, and 15 freeways. A rare opportunity to enjoy secure, luxury living in one of North County’s most desirable gated communities.

Mortgage Calculator

Est. Monthly Payment

$14,635

Principal & Interest$11,119
Property Tax$2,199
Insurance$641
HOA$675
%($439,800)
%

Investment Score

0D
Est. Monthly Rent

Market Rent Estimate

$6,402
Monthly Cashflow

Rent − PITI − HOA

$-8,232
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,537

Mortgage (P+I)
$11,119
Cap Rate
-0.23%
Cash-on-Cash
-22.46%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$14,634

NOI (Annual)
$-5,016
Price-to-Rent

Lower = better for investors

28.6

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

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