4046 Lago Di Grata Cir
1 / 20

4046 Lago Di Grata Cir

D

Carmel Valley, CA 92130

$3,100,000
NEW — 0d

Beds

5

Baths

5

Sqft

3,599

Year Built

2001

Days on Market

0

Property Type

Single Family

HOA/mo

$338

MLS ID

NDP2603905

This property is in Carmel Valley (92130). View neighborhood stats →

Virtual Tour

About This Property

Torrey Hills | Gated Community | 5BD/5BA | Ocean Views | Detached Casita. Some homes check the boxes. This one raises the bar. Tucked within the gated Monte Claire community in Torrey Hills, this thoughtfully reimagined residence offers a rare combination: ocean views, canyon preserve access, a detached guest casita, and top-rated schools—all in a home that's been elevated to a genuinely high standard. The main home was remodeled by a respected design-build firm, and the attention to detail shows. The kitchen anchors the living spaces with custom cabinetry, soapstone countertops, and high-end appliances that open naturally to the dining and family areas. Herringbone hardwood floors, designer fireplaces, custom lighting, and Hunter Douglas automated shades give the interior a cohesive, lived-in elegance. Other smart home features—Nest climate control, Rachio irrigation, and a full security system—run quietly in the background, the way good design should. The layout is both functional and versatile. A bedroom and full bath on the main level offer easy guest accommodation, while upstairs holds 3 additional bedrooms, a dedicated office, and 3 full baths. The primary suite faces the ocean—a view that never gets old. And set completely apart from the main home, a fully detached 1-bed/1-bath casita with its own kitchenette offers genuine separation—ideal for multigenerational living, long-term guests, or a private work-from-home retreat. Out back, a heated saltwater pool, fireplace lounge, and glass-fenced patio create a space built for both entertaining and unwinding—with mature landscaping for privacy and Los Peñasquitos Canyon Preserve as your permanent backdrop. Extensive owned solar serves both the home and pool. Minutes to Torrey Pines Golf Course, Del Mar Highlands, Downtown Del Mar, and the coast. Del Mar Union and San Dieguito Union High School Districts. This is the kind of home people remember.

Mortgage Calculator

Est. Monthly Payment

$20,017

Principal & Interest$15,675
Property Tax$3,100
Insurance$904
HOA$338
%($620,000)
%

Location

Loading map...

Investment Score

0D
Est. Monthly Rent
$8,051
Monthly Cashflow

Rent − PITIA

$-11,966
Full Cashflow

Incl. vacancy, PM, maint, capex

$-16,401

Mortgage (P+I)
$15,675
Cap Rate
-0.28%
Cash-on-Cash
-31.74%
DSCR

Need ≥ 1.25 for DSCR loan

0.40
Break-even Rent
$29,351

NOI (Annual)
$-8,713
Price-to-Rent

Lower = better for investors

32.1

* 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.

Get Expert AnalysisOpen Full Calculator