
16551 Zumaque
Dbottom 20%Rancho Santa Fe, CA 92067
HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.
Pass at asking: -$23,375/mo full cashflow at 20% down, 7.43% rate.
Works at $706,547 (81% under asking); even all cash loses money at asking.
Rent $10,700/mo from 11 leases of 4-bed houses within 2 mi ($9,031–$12,767). Previously leased for $10,700.
Beds
4
Baths
3
Sqft
2,960
Year Built
1969
Days on Market
140
Property Type
Single Family
HOA/mo
$2,812.5
MLS ID
260015263SD
This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →
About This Property
BEST VALUE IN RSF COVENANT...Enjoy privacy, space, and breathtaking views from this peaceful single-level mid-century COVENANT estate situated on a 2.5-acre view lot overlooking picturesque rolling hills and open-space vistas. This expansive residence offers an ideal blend of comfort and functionality with generous living spaces, soaring vaulted wood-beamed ceilings, abundant natural light, and seamless indoor-outdoor living. The spacious kitchen features granite countertops, a large center island, stainless steel appliances, and opens to an oversized family room and casual dining area. Formal living and dining spaces showcase dramatic ceilings, a fireplace, and walls of windows framing the serene countryside setting. Multiple French doors lead to an expansive patio, lush lawn, and private spa-perfect for entertaining, relaxing, or enjoying spectacular sunsets year-round. The property offers ample parking, mature landscaping, and exceptional privacy while remaining conveniently close to Rancho Santa Fe Village, ROGER ROWE schools, golf + More. * Pool Size Lot * Single-level floor plan * Scenic canyon and hillside views *2-horses allowed * * Small Barn with power on property * Space for Pickleball, sport Court * Vaulted wood-beamed ceilings * Large gourmet kitchen with center island * Multiple indoor-outdoor living areas * Expansive lawn and private spa | Fenced Backyard * Gated setting with ample parking * Convenient access to beaches, shopping, dining, and freeways * Rancho Santa Fe & San Dieguito School Districts
Mortgage Calculator
Est. Monthly Payment
$28,489
Location
Loading map...
Zoned Schools
Elementary
R. Roger Rowe Elementary · grades PK-5 · Rancho Santa Fe Elementary
Middle
R. Roger Rowe Middle · grades 6-8 · Rancho Santa Fe Elementary
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$10,700
Comp Average
$10,080

5851 Saratoga Corte
3bd / 3.5ba · 3,220 sqft · Single Family
$3.00M
Est. $9,753/mo
6858 Las Colinas
4bd / 4ba · 3,660 sqft · Single Family
$4.79M
Est. $13,900/mo
17543 Rancho Del Rio
4bd / 3.5ba · 2,668 sqft · Single Family
$3.65M
Est. $10,159/mo

6015 Paseo Valencia
4bd / 3.5ba · 2,886 sqft · Single Family
$4.99M
Est. $7,340/mo

16238 Via Del Alba
3bd / 3ba · 2,850 sqft · Single Family
$4.00M
Est. $9,247/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
Previously leased for $10,700
11 leases of 4-bed houses within 2 mi · $9,031–$12,767
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$23,375/mo short at 20% down; +$30,358/mo rent closes it.
- Break-even price
- $706,547
- Break-even rent
- $41,058/mo
- Cashflow at 35% down
- −$19,469/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
81% under asking
$30,358/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
Open Full Calculator