17381 Circa Oriente
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17381 Circa Oriente

Ctop 80%

Rancho Santa Fe, CA 92067

$4,299,000
STR: check · HOA rules unknown · TOT 8%

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: -$22,981/mo full cashflow at 20% down, 7.43% rate.

Works at $1,306,848 (70% under asking), or at 97% down.

Rent $14,074/mo from 20 leases of 4–6 bed houses within 2 mi ($12,500–$18,513).

Beds

5

Baths

5.5

Sqft

5,562

Year Built

1989

Days on Market

497

Property Type

Single Family

HOA/mo

$800

MLS ID

250025642SD

This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →

Virtual Tour

About This Property

Set atop 1.36 scenic acres, this light-filled, tranquil home offers the perfect blend of luxury and comfort for an active family. Step through the formal entry and take in panoramic views of the resort-style pool, lush, park-like backyard, and the rolling hills beyond. Designed for both entertaining and everyday living, the expansive family room flows effortlessly into the fully remodeled chef’s kitchen with premium Wolf appliances. The main level hosts the primary suite and two additional en-suite bedrooms, along with a well-appointed laundry room. The lower level offers a private en-suite bedroom a fifth bedroom with walk in closet, plus a full bath. Recent upgrades include renovated flooring throughout, custom-crafted doors, and stunning chandeliers that add an elegant glow to the living spaces. Marble floors, fresh paint, and solid 8-foot doors complete this thoughtfully updated home. All this is located within the prestigious guard-gated community of Fairbanks Ranch, offering private lakes, tennis courts, equestrian trails, and clubhouse amenities for a truly exceptional lifestyle.

Mortgage Calculator

Est. Monthly Payment

$30,236

Principal & Interest$23,883
Property Tax$4,299
Insurance$1,254
HOA$800
%($859,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Solana Santa Fe Elementary · grades K-6 · Solana Beach Elementary

  • Middle

    Earl Warren Middle · grades 7-8 · San Dieguito Union High

  • High

    Torrey Pines High · grades 9-12 · San Dieguito Union High

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

4C
Est. Monthly Rent
$14,074

20 leases of 4–6 bed houses within 2 mi · $12,500–$18,513

Monthly Cashflow

Rent − PITIA

-$16,162
Full Cashflow

Incl. vacancy, PM, maint, capex

-$22,981

What would make this work?

$22,981/mo short at 20% down; 97% down or +$29,846/mo rent closes it.

Break-even price

70% under asking

$1,306,848
Break-even rent

$29,846/mo above the estimate

$43,920/mo
Cashflow at 35% down
−$18,503/mo
Down payment to break even

$4,170,030 cash

97%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$23,883
Cap Rate
0.45%
Cash-on-Cash
-32.07%
DSCR

Need ≥ 1.25 for DSCR loan

0.47

NOI (Annual)
$19,262
Price-to-Rent

Lower = better for investors

25.5

* 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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CCashflow−$22,981/mo