14844 Whispering Ridge Road

14844 Whispering Ridge Road

D

Scripps Ranch, CA 92131

$3,200,000
NEW — 4d on market

Beds

5

Baths

5.5

Sqft

5,599

Year Built

2006

Days on Market

4

Property Type

Single Family

HOA/mo

$190

MLS ID

NDP2602551

Description

Located in the exclusive Stonebridge Estates community, this Tuscan-inspired hillside home offers stunning unobstructed western views and is designed for both elevated living and effortless entertaining. A grand entry leads to a sophisticated executive office with custom woodwork, a formal dining room with scenic views, and an expansive great room that flows seamlessly into the casual dining area and chef’s kitchen. The gourmet kitchen features ample cabinetry, granite countertops, double ovens, a built-in refrigerator, oversized island, and walk-in pantry, with views overlooking the backyard and a charming courtyard with outdoor fireplace. The great room opens to a game room with billiards area and a private theater, which can also serve as a first-floor bedroom with a full bath, offering flexibility for guests or multigenerational living. Dual staircases lead upstairs to four spacious bedrooms, each with a private ensuite. The grand primary suite offers a fireplace, sitting area, private view balcony, and a spa-inspired bath with dual vanities, walk-in shower, and soaking tub. The resort-style backyard showcases a custom pool and spa with grotto, a sunken fire pit, dancing fire bowls. Lush landscaping, multiple seating areas, mature fruit trees, and raised garden beds complete this exceptional outdoor space. Ideally located near shopping, dining, Costco, parks, trails, and top-rated schools, including close proximity to St. Gregory the Great Catholic School.

Mortgage Calculator

Est. Monthly Payment

$20,504

Principal & Interest$16,181
Property Tax$3,200
Insurance$933
HOA$190
%($640,000)
%

Investment Score

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

Rent − PITI − HOA

$-13,260
Full Cashflow

Incl. vacancy, PM, maint, capex

$-17,593

Mortgage (P+I)
$16,181
Cap Rate
-0.53%
Cash-on-Cash
-32.99%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.35
Break-even Rent
$30,092

NOI (Annual)
$-16,941
Price-to-Rent

Lower = better for investors

36.8

* 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.

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