4511 Calle Mar De Armonia
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4511 Calle Mar De Armonia

C

Carmel Valley, CA 92130

$2,150,000
NEW — 2d

Soft Appraisal Value: $2,101,200 · 2.3% above estimate

Beds

4

Baths

3

Sqft

2,244

Year Built

2000

Days on Market

2

Property Type

Single Family

HOA/mo

$27.5

MLS ID

260016846SD

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

Virtual Tour

About This Property

Welcome to this move-in-ready gem located in The Cove in Torrey Hills! This beautifully updated Plan 2 offers a rare combination of abundant natural light, flexible living spaces, and a sought-after south-facing backyard. Designed for both everyday comfort and entertaining, the open-concept floor plan features soaring 10-foot ceilings, expansive windows, and a versatile layout with 4 bedrooms and 3 full bathrooms, including a convenient downstairs bedroom and full bath; it’s perfect for guests, multigenerational living, or a private home office. The newly refreshed chef’s kitchen showcases freshly painted white cabinetry, new hardware, a custom granite backsplash, generous counter space, and a large center island. Recent appliance upgrades include a new 5-burner gas cooktop, new microwave, double ovens (2016), and a Bosch dishwasher. The adjacent breakfast nook creates a welcoming gathering space, while the French door provides easy access to the driveway, detached garage, and backyard. Step outside to a beautifully reimagined south-facing backyard designed for year-round enjoyment. Recent landscaping improvements including decorative rock beds, fresh sod, and an inviting hardscape patio that creates the perfect setting for outdoor dining, relaxation, and entertaining. Upstairs, the spacious primary suite offers coffered ceilings and large windows with peaceful hillside views. Two generously sized secondary bedrooms share a Jack-and-Jill bathroom, while the versatile loft provides an ideal space for a study area, music area, or play space. A dedicated upstairs laundry room includes extensive cabinetry on both sides and a utility sink for added convenience. Recent improvements and upgrades include fresh interior and exterior paint; new wood laminate flooring in living room and downstairs bedroom; new carpet upstairs; most dual paned window glass and screens replaced; roof tune-up (2026); high-efficiency Carrier furnace and air conditioning system (2016); water heater replacement (2022); app-controlled attic fan (2022); renovated and freshly painted fencing; and overhead storage racks in the detached garage. The washer, dryer, wireless thermostat, and video doorbell are all included. Enjoy an exceptional location with convenient access to Interstate 5 and 805, and Highway 56. Just minutes from award winning Ocean Air Elementary School, Ocean Air Recreation Center, Torrey Hills Center shopping and dining, beautiful beaches, parks, and Carmel Mountain Preserve hiking trails. Served by award-winning schools, this home offers the best of coastal San Diego living. This is the one you’ve been waiting for!

Mortgage Calculator

Est. Monthly Payment

$13,676

Principal & Interest$10,872
Property Tax$2,150
Insurance$627
HOA$28
%($430,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$5,823
Monthly Cashflow

Rent − PITIA

$-7,853
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,984

Mortgage (P+I)
$10,872
Cap Rate
-0.06%
Cash-on-Cash
-30.65%
DSCR

Need ≥ 1.25 for DSCR loan

0.43
Break-even Rent
$20,088

NOI (Annual)
$-1,349
Price-to-Rent

Lower = better for investors

30.8

* 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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