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4077 San Ardo

Ctop 80%

Carmel Valley, CA 92130

$1,720,000

NEW — 1d

STR-eligible · San Diego Tier 3 · TOT 11.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

10 licensed short-term rentals within ½ mile (5 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$9,066/mo full cashflow at 20% down, 7.36% rate.

Works at $533,659 (69% under asking), or at 97% down.

Rent $5,297/mo from 12 leases of 2–4 bed houses within 1 mi ($4,759–$5,720).

Beds

Baths

Sqft

1,758

Year Built

1985

Days on Market

Property Type

Single Family

HOA/mo

N/A

MLS ID

SW26238558

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

About This Property

Available for the first time ever at the end of a cul-de-sac with an ocean breeze and a backyard made for slowing down, this Carmel Valley home is ready for its next chapter. One bedroom and full bathroom downstairs is a bonus.The private patio flows out to a spacious backyard with low-maintenance turf and mature landscaping. Add the ocean breeze that drifts in, and it’s the kind of spot where morning coffee and weekend barbecues just feel better. Curb appeal stays easy with turf in the front yard.Inside is where your creativity can shine. Enjoy the double height ceilings in the living room with a skylight that floods the home with natural light. If you’ve been looking for a place to put your own stamp on, the layout and the lot give you a real head start.Top school districts, walking trails, shopping and dining are nearby with the beach and Del Mar just a short drive away. Bring your vision to life in Carmel Valley! **No HOA and very low special assessments help keep monthly costs down**

Mortgage Calculator

Est. Monthly Payment

$11,711

Principal & Interest$9,490

Property Tax$1,720

Insurance$502

Down Payment

%($344,000)

Interest Rate

Loan Term

Location

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Comparable Properties

4 comps found

This Property

$5,297

Comp Average

$5,655

12672 Carmel Country Road

4bd / 3ba · 1,608 sqft · Single Family

$1.38M

Est. $5,879/mo

4577 Da Vinci

3bd / 3ba · 2,210 sqft · Single Family

$1.70M

Est. $5,631/mo

4258 Corte De Sausalito

3bd / 2.5ba · 1,731 sqft · Single Family

$1.65M

Est. $5,397/mo

4246 Cordobes Cv

3bd / 2.5ba · 2,056 sqft · Single Family

$2.29M

Est. $5,714/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

Est. Monthly Rent

$5,297

12 leases of 2–4 bed houses within 1 mi · $4,759–$5,720

Blended 50/50 with the zip's market median ($5,481)

Monthly Cashflow

Rent − PITIA

-$6,415

Full Cashflow

Incl. vacancy, PM, maint, capex

-$9,066

What would make this work?

$9,066/mo short at 20% down; 97% down or +$11,774/mo rent closes it.

Break-even price: $533,659
Break-even rent: $17,071/mo
Cashflow at 35% down: −$7,287/mo
Down payment to break even: 97%
Rate to break even: Not reachable

Mortgage (P+I)

$9,490

Cap Rate

0.48%

Cash-on-Cash

-31.63%

DSCR

Need ≥ 1.25 for DSCR loan

0.45

NOI (Annual)

$8,258

Price-to-Rent

Lower = better for investors

27.1

* Modelled at 20% down, 7.36% 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−$9,066/mo