14844 Whispering Ridge Road
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14844 Whispering Ridge Road

D

Scripps Ranch, CA 92131

$3,099,000

Soft Appraisal Value: $2,959,800 · 4.7% above estimate

Beds

5

Baths

5.5

Sqft

5,599

Year Built

2006

Days on Market

49

Property Type

Single Family

HOA/mo

$190

MLS ID

NDP2602551

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

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About This Property

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

$19,863

Principal & Interest$15,670
Property Tax$3,099
Insurance$904
HOA$190
%($619,800)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,980
Monthly Cashflow

Rent − PITIA

$-11,883
Full Cashflow

Incl. vacancy, PM, maint, capex

$-16,301

Mortgage (P+I)
$15,670
Cap Rate
-0.24%
Cash-on-Cash
-31.56%
DSCR

Need ≥ 1.25 for DSCR loan

0.40
Break-even Rent
$29,150

NOI (Annual)
$-7,571
Price-to-Rent

Lower = better for investors

32.4

* 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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