17550 Black Granite Drive
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17550 Black Granite Drive

C

4S Ranch, CA 92127

$2,150,000
NEW — 2d

Soft Appraisal Value: $2,089,900 · 2.9% above estimate

Beds

5

Baths

3

Sqft

3,303

Year Built

2011

Days on Market

2

Property Type

Single Family

HOA/mo

$100

MLS ID

260015623SD

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

About This Property

Ideally situated on one of the most desirable streets in 4S Ranch, this exceptional home offers one of the community's most sought-after floor plans with 5 bedrooms, including a convenient first-floor bedroom. Even better, the Mello-Roos have been fully paid, offering a significant long-term value rarely found in the neighborhood. Designed for both everyday living and entertaining, the spacious main level features an open-concept kitchen with a large center island, generous eat-in dining area, and expansive living spaces. Thoughtful upgrades include Brazilian cherry hardwood flooring, dual-zone HVAC, a quiet DC motor whole house fan, reverse osmosis drinking water, and a 3-car garage with a tandem space ideal for a home gym, workshop, storage, or additional parking. Upstairs, a versatile loft provides additional living space alongside four bedrooms, including an oversized primary suite with peaceful mountain views, dual walk-in closets, and a spacious ensuite bath. The tranquil backyard is beautifully finished with pavers and multiple mature fruit trees, creating a private setting to relax or entertain. Residents enjoy access to Pioneer Park with its splash pad, playgrounds, sports fields, and more, all within the award-winning Poway Unified School District.

Mortgage Calculator

Est. Monthly Payment

$13,749

Principal & Interest$10,872
Property Tax$2,150
Insurance$627
HOA$100
%($430,000)
%

Location

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Investment Score

3D
Est. Monthly Rent
$6,809
Monthly Cashflow

Rent − PITIA

$-6,940
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,297

Mortgage (P+I)
$10,872
Cap Rate
0.32%
Cash-on-Cash
-28.74%
DSCR

Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$20,182

NOI (Annual)
$6,891
Price-to-Rent

Lower = better for investors

26.3

* 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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