16315 Pinto Ridge Drive
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16315 Pinto Ridge Drive

C

4S Ranch, CA 92127

$2,449,000
NEW — 0d

Soft Appraisal Value: $2,371,900 · 3.3% above estimate

Beds

5

Baths

4

Sqft

4,138

Year Built

2003

Days on Market

0

Property Type

Single Family

HOA/mo

$100

MLS ID

NDP2605235

This property is in 4S Ranch (92127). View neighborhood stats →

Virtual Tour

About This Property

From the moment you step inside this Spanish Colonial Revival in the sought-after Providence neighborhood of 4S Ranch, the scale and craftsmanship of this 4,138 sq. ft. home speaks for itself. The curved staircase, soaring two-story foyer, and cathedral ceilings that seem to breathe set the tone from the very first step. The fully reimagined kitchen — white cabinetry, brushed-gold hardware, quartzite waterfall island, and designer pendants — opens seamlessly into the family room and flows through French doors to the backyard, creating the kind of effortless indoor-outdoor connection that defines Southern California living at its best. A versatile flex room with separate entry functions as an additional family room, or could be transformed into a private office or even an additional bedroom. A downstairs bedroom and full bath add flexibility for guests or multigenerational living. The primary suite is a world unto itself — rich hardwood floors, an elegant tray ceiling, and a private fireside sitting room that invites you to slow down at the end of the day. The spa-inspired primary bath features a deep soaking tub framed by views of the hills, dual quartzite vanities, and his-and-hers walk-in closets. Outside, mature palms, a manicured lawn, a brick-paver patio, and a raised fire pit create a private backyard retreat beneath sun-drenched San Diego skies — a tranquil, fully enclosed setting designed for relaxation and entertaining alike. Beyond the property, 4S Ranch Master Association delivers a community built for active family living — sports parks, tennis and basketball courts, a roller-hockey rink, picnic areas, and a Boys & Girls Club with a Junior Olympic pool and gymnasium. Within the boundaries of Stone Ranch Elementary, Oak Valley Middle, and Del Norte High — all within the award-winning Poway Unified School District. In 92127, families don't stumble upon this neighborhood. They choose it. Deliberately.

Mortgage Calculator

Est. Monthly Payment

$15,647

Principal & Interest$12,383
Property Tax$2,449
Insurance$714
HOA$100
%($489,800)
%

Location

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Investment Score

1D
Est. Monthly Rent
$7,277
Monthly Cashflow

Rent − PITIA

$-8,369
Full Cashflow

Incl. vacancy, PM, maint, capex

$-12,084

Mortgage (P+I)
$12,383
Cap Rate
0.15%
Cash-on-Cash
-29.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.47
Break-even Rent
$22,971

NOI (Annual)
$3,593
Price-to-Rent

Lower = better for investors

28.0

* 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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