16521 4s Ranch Pkwy
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16521 4s Ranch Pkwy

D

4S Ranch, CA 92127

$1,998,000

Soft Appraisal Value: $1,941,800 · 2.9% above estimate

Beds

5

Baths

3

Sqft

3,182

Year Built

2003

Days on Market

10

Property Type

Single Family

HOA/mo

$105

MLS ID

260011358SD

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

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About This Property

Step into your own Tuscan-inspired retreat in the heart of 4S Ranch, where timeless Mediterranean design meets elevated California living. This beautifully appointed 5-bedroom, 3-bath home is filled with warmth and natural light, featuring terracotta-style flooring, spacious living areas, a cozy fireplace, and a dramatic soaring dining room that creates a striking sense of space and elegance. Thoughtfully designed for both everyday living and entertaining, the home effortlessly blends timeless character with modern comfort. The true highlight is the enchanting backyard retreat—reminiscent of a Tuscan garden villa—perfect for al fresco dining, evening gatherings, or quiet nights under the stars surrounded by ambient lighting. The spacious primary retreat offers a true escape, complete with a large walk-in closet and a spa-inspired bath featuring a soaking tub and separate shower. A main-level bedroom and full bath provide flexibility for guests, multigenerational living, or a private home office. Expansive light-filled interiors create an inviting atmosphere, featuring both formal and casual living spaces with a formal living room, spacious family room, formal dining room, additional dining areas, and large scenic windows frame the beautifully landscaped setting. The kitchen showcases warm designer finishes, generous prep space, and an inviting layout that opens effortlessly to the surrounding living areas. The flexible upstairs layout provides endless possibilities for guest accommodations, executive offices, creative studios, fitness areas, or media rooms. Modern conveniences including solar system, an EV charger, and a spacious 3-car garage add efficiency and ease to everyday living. Set on a picturesque tree-lined street in one of North County’s most sought-after communities, this home offers close proximity and walking distance to top-rated Poway Unified schools including Design39Campus, Stone Ranch Elementary, Oak Valley Middle School, and Del Norte High School, along with adjacent Heritage Park with half basketball courts and two playgrounds, miles of walking and biking trails, plus several other beautifully maintained parks, sports fields, dog parks, and recreation spaces. Just moments away, Del Sur Town Center, 4S Commons Town Center and 4S Village Center provide an ideal blend of restaurants, cafés, fitness studios, public library, boutique services, and everyday conveniences. This stunning home combines timeless Mediterranean-inspired architecture with modern functionality and an exceptional walkable location, offering an elevated living experience in the heart of 4S Ranch.

Mortgage Calculator

Est. Monthly Payment

$12,789

Principal & Interest$10,103
Property Tax$1,998
Insurance$583
HOA$105
%($399,600)
%

Location

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Investment Score

2D
Est. Monthly Rent
$6,170
Monthly Cashflow

Rent − PITIA

$-6,619
Full Cashflow

Incl. vacancy, PM, maint, capex

$-9,703

Mortgage (P+I)
$10,103
Cap Rate
0.24%
Cash-on-Cash
-29.14%
DSCR

Need ≥ 1.25 for DSCR loan

0.48
Break-even Rent
$18,771

NOI (Annual)
$4,799
Price-to-Rent

Lower = better for investors

27.0

* 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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