18446 Calle La Serra
Dbottom 20%Rancho Santa Fe, CA 92091
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: -$49,238/mo full cashflow at 20% down, 7.49% rate.
Works at $2,111,491 (75% under asking); even all cash loses money at asking.
Rent $22,154/mo from 10 leases of houses within 2 mi, size-adjusted ($18,678–$24,512).
Beds
6
Baths
5.5
Sqft
8,913
Year Built
2002
Days on Market
0
Property Type
Single Family
HOA/mo
$772
MLS ID
260026328SD
This property is in Rancho Santa Fe (92091). Browse neighborhood analytics →
About This Property
Situated above the 9th fairway of The Bridges, this beautifully remodeled estate captures stunning golf course, lake, clubhouse, mountain and rolling hill views with breathtaking sunsets. Located within one of Rancho Santa Fe's most prestigious guard-gated communities, the home features soaring ceilings, modern finishes, exquisite details, and expansive living spaces designed for both everyday comfort and entertaining. The thoughtfully designed floor plan includes a downstairs master suite, private office, movie theater, and attached casita with its own separate entrance. Large outdoor entertaining areas feature an infinity edge pool and spa, outdoor kitchen, and fire pit, all positioned to take advantage of the spectacular views. Combining an exceptional location, modern luxury, and resort-style amenities, this home offers the best of Rancho Santa Fe living.
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Est. Monthly Payment
$59,217
Location
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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
3 comps foundThis Property
$22,154
Comp Average
$22,567
4580 El Mirlo
7bd / 6ba · 5,337 sqft · Single Family
$5.50M
Est. $21,689/mo
18486 Via Candela
5bd / 6ba · 8,043 sqft · Single Family
$8.00M
Est. $20,994/mo
6749 Calle Ponte Bella
6bd / 6.5ba · 11,072 sqft · Single Family
$9.49M
Est. $25,019/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of houses within 2 mi, size-adjusted · $18,678–$24,512
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$49,238/mo short at 20% down; +$63,945/mo rent closes it.
- Break-even price
- $2,111,491
- Break-even rent
- $86,099/mo
- Cashflow at 35% down
- −$40,337/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
75% under asking
$63,945/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, 7.49% 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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