16414 Santa Cristobal St
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16414 Santa Cristobal St

C

4S Ranch, CA 92127

$2,300,000
NEW — 1d

Soft Appraisal Value: $2,228,800 · 3.2% above estimate

Beds

5

Baths

3

Sqft

3,390

Year Built

2001

Days on Market

1

Property Type

Single Family

HOA/mo

$125

MLS ID

260014225SD

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

About This Property

Welcome to meticulously maintained luxury in Bernardo Springs! On a premium corner lot in the quiet Patina neighborhood, this pristine, single-owner 2001 estate offers 3,390 sqft of impeccable living space with 5 beds and 3 baths. A grand vaulted entry features a stunning crystal chandelier and elegant wrought iron staircase. The light-filled layout boasts porcelain/tile flooring, plantation shutters, crown moulding, and dual fireplaces in the formal living and family rooms. The massive chef’s kitchen features silky smooth granite countertops, a large central island, a sun-soaked breakfast area, and premium stainless appliances. The formal dining room has its own crystal chandelier and rear-yard access. A full downstairs bedroom, bathroom, and spacious laundry room complete the main level. UPSTAIRS, a versatile loft includes a built-in office area. The sprawling primary suite features a dedicated retreat, bright spa-like ensuite, and a huge walk-in closet with custom built-ins. Three generously sized secondary bedrooms complete the top floor. OUTSIDE, flawless curb appeal and custom wrought iron gates lead to a private backyard oasis with lush landscaping, fruit trees, and premium, low-maintenance turf. The entertainer's paradise features a premium built-in BBQ island with multiple grills, a built-in fridge, and storage. Lounge year-round under a massive patio cover, tropical palapa, or gazebo. Notable system upgrades include 23 paid solar panels, whole-house water filtration, a tankless water heater and ample floor and overhead storage in the 3-car tandem garage.

Mortgage Calculator

Est. Monthly Payment

$14,726

Principal & Interest$11,630
Property Tax$2,300
Insurance$671
HOA$125
%($460,000)
%

Location

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Investment Score

1D
Est. Monthly Rent
$6,695
Monthly Cashflow

Rent − PITIA

$-8,031
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,488

Mortgage (P+I)
$11,630
Cap Rate
0.07%
Cash-on-Cash
-29.97%
DSCR

Need ≥ 1.25 for DSCR loan

0.45
Break-even Rent
$21,614

NOI (Annual)
$1,710
Price-to-Rent

Lower = better for investors

28.6

* 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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