16914 Torbett Lane

16914 Torbett Lane

D

4S Ranch, CA 92127

$820,000
NEW — 3d on market

Beds

2

Baths

2.5

Sqft

1,335

Year Built

2005

Days on Market

3

Property Type

Townhouse

HOA/mo

$366

MLS ID

NDP2602889

Description

This beautiful home is located in the highly sought after San Moritz community of 4S Ranch which is one of North County’s most desirable neighborhoods. With views overlooking the sparkling pool and courtyard, the setting feels both private and connected. The entry level features a bedroom and full bath—ideal for guests, a home office, or multigenerational living. Upstairs, the main living area is bright and open, with a fireplace warmed living room that flows seamlessly into the dining area and large kitchen complete with a center island that has breakfast bar seating, stainless steel appliances, ample cabinetry and large pantry. A private balcony extends the living space and creates a natural indoor-outdoor flow. The top floor is anchored by the spacious primary suite, offering an oversized walk-in closet, dual sinks, large windows that bring in natural light, and a versatile alcove perfect for a nursery, office, or additional retreat space.  Living in 4S Ranch means more than just a home - it’s a lifestyle. Residents enjoy access to top-rated Poway Unified schools, multiple parks, approximately 10 miles of scenic trails, and about 1,600 acres of thoughtfully designed open spaces designated as a wildlife habitat. The nearby 4S Commons Town Center offers convenient shopping, dining, and everyday essentials, while community amenities like the Splash Pad at Pioneer Park, sports fields, the public library, Boys and Girls Club and neighborhood events make this a truly vibrant place to call home.

Mortgage Calculator

Est. Monthly Payment

$5,572

Principal & Interest$4,146
Property Tax$820
Insurance$239
HOA$366
%($164,000)
%

Investment Score

1D
Est. Monthly Rent
$3,048
Monthly Cashflow

Rent − PITI − HOA

$-2,523
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,908

Mortgage (P+I)
$4,146
Cap Rate
0.35%
Cash-on-Cash
-28.59%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$8,123

NOI (Annual)
$2,864
Price-to-Rent

Lower = better for investors

22.4

* 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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