4545 Vereda Mar De Ponderosa
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4545 Vereda Mar De Ponderosa

D

Carmel Valley, CA 92130

$2,290,000

Soft Appraisal Value: $2,223,000 · 3.0% above estimate

Beds

4

Baths

2.5

Sqft

2,455

Year Built

2000

Days on Market

8

Property Type

Single Family

HOA/mo

$27.5

MLS ID

260013129SD

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

About This Property

A Rare Carmel Valley Opportunity. Tucked along a quiet, palm-lined street in one of Carmel Valley’s most sought-after neighborhoods, this 4-bedroom, 2-bath, two-story home offers 2,455 square feet of bright, functional living space, a private garden retreat, and strong potential for the next owner. From the curb, mature queen palms frame a thoughtfully xeriscaped front garden with agaves, succulents, and river rock. Step through the blue front door into a formal living and dining area with soaring ceilings, elegant crown moulding, graceful tile flooring, and abundant natural light. At the heart of the home, the kitchen features a center island and opens to the family room, where a marble-surround fireplace and a wall of windows overlook the lush backyard. Upstairs, the spacious primary suite offers a tray ceiling, sitting area potential, dual closets, and an en-suite bath with a soaking tub, separate shower, and double vanity. Three additional bedrooms, including one well-suited for an office or flex space, and a laundry room complete the second level. The backyard is the true highlight: a private outdoor setting with a white pergola, brick-and-stone patio, mature palms, hibiscus, bougainvillea, raised garden beds, and flexible lawn space. It feels established, peaceful, and difficult to replicate. With solid bones, a timeless floor plan, and room to update and personalize, this home offers location, space, and long-term upside. Close to parks, nearby schools, shopping at One Paseo and Del Mar Highlands, and the coast, this is a standout opportunity in 92130.

Mortgage Calculator

Est. Monthly Payment

$14,565

Principal & Interest$11,579
Property Tax$2,290
Insurance$668
HOA$28
%($458,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$6,105
Monthly Cashflow

Rent − PITIA

$-8,460
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,772

Mortgage (P+I)
$11,579
Cap Rate
-0.10%
Cash-on-Cash
-30.84%
DSCR

Need ≥ 1.25 for DSCR loan

0.42
Break-even Rent
$21,394

NOI (Annual)
$-2,316
Price-to-Rent

Lower = better for investors

31.3

* 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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