
16610 El Zorro Vista
Dbottom 20%Rancho Santa Fe, CA 92067
Pass at asking: -$35,516/mo full cashflow at 20% down, 7.43% rate.
Works at $1,625,768 (74% under asking); even all cash loses money at asking.
Rent $16,220/mo from 13 leases of houses within 1 mi, size-adjusted ($14,285–$20,411).
Beds
6
Baths
8
Sqft
6,802
Year Built
2006
Days on Market
1
Property Type
Single Family
HOA/mo
$3
MLS ID
260026686SD
This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →
About This Property
Set behind private gates on more than two acres in the prestigious Rancho Santa Fe Covenant, this exceptional single-level Spanish estate offers timeless architecture, artisan craftsmanship, and sweeping west-facing views. Extensively reconstructed in 2006 under architect Max Wuthrich, the approximately 6,800-square-foot estate features six bedrooms, five full and three half bathrooms between the main residence and separate two-bedroom guest house. A wrought-iron gate opens to a private courtyard with terracotta pathways and mature palms. Beyond the mesquite entry door, the dramatic great room showcases soaring vaulted ceilings, exposed Douglas fir beams, hand-adzed woodwork, and a carved limestone fireplace. Distinctive details include a hand-stenciled dining room ceiling, mahogany china cabinets with leaded glass, cotto tile, walnut flooring, custom alder cabinetry, and hand-painted Malibu tile, with mahogany-interior and incense cedar-exterior windows and doors throughout. The home features a copper range hood, Viking appliances, and a temperature-controlled wine room. Landscaped grounds offer expansive entertaining terraces, a pool, spa, waterfall, private tennis court with pickleball potential, mature citrus trees, owned solar, and spectacular sunset views. Just one mile from Rancho Santa Fe Village, residents enjoy exclusive access to scenic walking and equestrian trails, RSF Golf and Tennis Clubs, and the acclaimed Rancho Santa Fe School District. A rare opportunity for architectural distinction, privacy, and the quintessential Rancho Santa Fe lifestyle.
Mortgage Calculator
Est. Monthly Payment
$42,797
Location
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Comparable Properties
5 comps foundThis Property
$16,220
Comp Average
$17,183
18338 Avenida Apice
6bd / 6.5ba · 5,998 sqft · Single Family
$4.39M
Est. $27,158/mo
14858 Las Mananas
6bd / 5.5ba · 5,723 sqft · Single Family
$4.50M
Est. $14,169/mo
17854 Camino De La Mitra
6bd / 6.5ba · 6,234 sqft · Single Family
$4.39M
Est. $13,549/mo
6150 Avenida Alteras
6bd / 6ba · 6,640 sqft · Single Family
$4.97M
Est. $17,048/mo
6253 Clubhouse Drive
6bd / 4.5ba · 6,400 sqft · Single Family
$6.00M
Est. $13,993/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
13 leases of houses within 1 mi, size-adjusted · $14,285–$20,411
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$35,516/mo short at 20% down; +$46,125/mo rent closes it.
- Break-even price
- $1,625,768
- Break-even rent
- $62,345/mo
- Cashflow at 35% down
- −$29,006/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
74% under asking
$46,125/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.
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