15789 Bacara Ct
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15789 Bacara Ct

Dbottom 20%

Scripps Ranch, CA 92131

$3,245,000
NEW — 0d
STR: check · no permits on this tract · TOT 12.75%

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 11, 2026.

None of the 20 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: -$19,094/mo full cashflow at 20% down, 7.43% rate.

Works at $758,899 (77% under asking); even all cash loses money at asking.

Rent $7,816/mo from 10 leases of 4–6 bed houses in 92131 ($7,476–$8,271).

Beds

5

Baths

5.5

Sqft

5,164

Year Built

2012

Days on Market

0

Property Type

Single Family

HOA/mo

$190

MLS ID

260026763SD

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

About This Property

Former MODEL HOME in prestigious Stonebridge Estates, commanding sweeping 180-degree PANORAMIC PRESERVE VIEWS. Situated on a premier elevated 1/2-ACRE FULLY USABLE FLAT LOT, this property delivers rare privacy and majestic openness with extensive builder upgrades throughout. Spanning 5,164 total sq. ft., it features a 4,609 sq. ft. main home (5 bed, 4.5 bath, 3-car attached garage & 3-zone HVAC system) plus a fully detached 555 sq. ft. Luxury Guest House (ADU) perfect for multi-gen living, an office, or 6th bedroom. Premium bi-fold glass doors open wide to effortlessly blend indoor luxury with an unparalleled resort-style backyard showcasing a custom pool & spa, built-in BBQ kitchen, fire pit, a variety of homegrown fruits, and a grand covered loggia with an outdoor fireplace. The chef's kitchen features a 6-burner cooktop, double ovens, warming drawer, presentation island with seating, abundant storage cabinetry, butler's pantry, and walk-in pantry. The main level also hosts a formal dining room, private office, and guest suite with full bath. Upstairs, an expansive second-story bonus room functions as a viewing gallery, with bi-fold glass doors opening wide to a covered balcony overlooking the preserve. The primary suite is a private retreat boasting scenic vistas, a spa-like soaking tub, enclosed glass shower, dual vanities, and generous walk-in closet. The fully detached guest house is complete with its own dedicated HVAC, full bath, kitchenette, walk-in closet, and covered porch. A rare opportunity to secure one of the absolute finest view estates within Stonebridge.

Mortgage Calculator

Est. Monthly Payment

$22,409

Principal & Interest$18,027
Property Tax$3,245
Insurance$946
HOA$190
%($649,000)
%
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
$7,816

10 leases of 4–6 bed houses in 92131 · $7,476–$8,271

Monthly Cashflow

Rent − PITIA

-$14,592
Full Cashflow

Incl. vacancy, PM, maint, capex

-$19,094

What would make this work?

$19,094/mo short at 20% down; +$24,798/mo rent closes it.

Break-even price

77% under asking

$758,899
Break-even rent

$24,798/mo above the estimate

$32,614/mo
Cashflow at 35% down
−$15,714/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)
$18,027
Cap Rate
-0.25%
Cash-on-Cash
-35.31%
DSCR

Need ≥ 1.25 for DSCR loan

0.35

NOI (Annual)
-$8,113
Price-to-Rent

Lower = better for investors

34.6

* 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−$19,094/mo