3947 Rancho Summit
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3947 Rancho Summit

C

Encinitas, CA 92024

$4,395,000
NEW — 3d

Soft Appraisal Value: $4,180,600 · 5.1% above estimate

Beds

5

Baths

5.5

Sqft

5,875

Year Built

2020

Days on Market

3

Property Type

Single Family

HOA/mo

$456

MLS ID

260016444SD

This property is in Encinitas (92024). View neighborhood stats →

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About This Property

Discover a modern estate in the heart of Olivenhain, where the privacy and acreage of Rancho Santa Fe meet the effortless coastal lifestyle of Encinitas. Built by Shea Homes in the exclusive One Oak enclave and set on 1.5 acres, this 5,875-square-foot residence blends estate-scale privacy, contemporary design, and the ease of newer construction. Soaring ceilings, an open-concept great room, and multi-stacking glass sliders connect the interiors to panoramic views and outdoor living. At the center of the home, the chef’s kitchen features an oversized White Truffle marble island, Thermador appliances, and a well-appointed butler’s pantry with seamless flow to the great room and breakfast nook. A formal dining room, fireside Encinitas room, piano lounge with wet bar, office, upstairs family room, five en-suite bedrooms, and private casita offer flexibility for living, work, guests, and entertaining. The primary suite features a spa-inspired bath, walk-in closet, and private view deck. The grounds include a spa, serene water features, an outdoor culinary station with built-in grill and marble island, outdoor entertaining areas, irrigated garden beds, and a producing orchard with eighteen fruit trees. Enjoy owned solar, whole-house water softener, smart-home connectivity, and Ring security. With trails, beaches, dining, and top-rated Encinitas schools within easy reach, this rare One Oak estate delivers privacy, scale, and modern coastal living.

Mortgage Calculator

Est. Monthly Payment

$28,356

Principal & Interest$22,224
Property Tax$4,395
Insurance$1,282
HOA$456
%($879,000)
%

Location

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Investment Score

4D
Est. Monthly Rent
$14,495
Monthly Cashflow

Rent − PITIA

$-13,862
Full Cashflow

Incl. vacancy, PM, maint, capex

$-20,858

Mortgage (P+I)
$22,224
Cap Rate
0.37%
Cash-on-Cash
-28.47%
DSCR

Need ≥ 1.25 for DSCR loan

0.51
Break-even Rent
$41,583

NOI (Annual)
$16,388
Price-to-Rent

Lower = better for investors

25.3

* 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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