16242 Pinto Ridge Drive

16242 Pinto Ridge Drive

D

San Diego, CA 92127

$1,950,000
NEW — 6d on market

Beds

4

Baths

2.5

Sqft

3,377

Year Built

2003

Days on Market

6

Property Type

Single Family

HOA/mo

$100

MLS ID

NDP2601556

Description

Welcome to 4S Ranch! This gorgeous Craftsman-style home sits on an extremely private, elevated cul-de-sac lot with canyon and hill views — a rare setting in the community. The Craftsman exterior, with its classic large porch, is complemented by beautiful stone and paver hardscaping, drought-tolerant plants, and mature, lush landscaping for exceptional curb appeal and privacy. Inside, the grand foyer features soaring 20-foot ceilings and a curved staircase, opening to formal living and dining spaces with a fireplace and charming architectural details. The open-concept great room includes a kitchen with large serving island and walk-in pantry, casual dining area, and spacious family room with a second fireplace — ideal for everyday living and entertaining. Enjoy serene backyard views with no homes behind. Upstairs offers a bonus room, three bedrooms, and a spacious primary suite with walk-in closet, separate soaking tub and shower, and a glass door to a private deck with western mountain and sunset views. Upgrades include new copper plumbing and water heater in 2023, fresh interior paint, plantation shutters throughout, and a whole-house fan. Ample storage includes an oversized laundry room and a three-car tandem garage with space for storage, gym, or workshop. Enjoy 4S Ranch living with top-rated Poway Unified schools, five community parks (including gated splash park), trails, events, and youth sports, plus optional Boys & Girls Club pool day passes or memberships. Close to shopping, dining, gyms, tech hubs, downtown San Diego (25 miles), and Torrey Pines/Del Mar beaches (15 minutes).

Mortgage Calculator

Est. Monthly Payment

$12,479

Principal & Interest$9,860
Property Tax$1,950
Insurance$569
HOA$100
%($390,000)
%

Investment Score

3D
Est. Monthly Rent

Market Rent Estimate

$6,717
Monthly Cashflow

Rent − PITI − HOA

$-5,762
Full Cashflow

Incl. vacancy, PM, maint, capex

$-8,932

Mortgage (P+I)
$9,860
Cap Rate
0.57%
Cash-on-Cash
-17.73%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.68
Break-even Rent
$12,479

NOI (Annual)
$11,137
Price-to-Rent

Lower = better for investors

24.2

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

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