
4704 El Mirar
Dbottom 20%Rancho Santa Fe, CA 92067
HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.
Pass at asking: -$190,085/mo full cashflow at 20% down, 7.43% rate.
Works at $3,250,735 (88% under asking); even all cash loses money at asking.
Rent $32,444/mo from 8 leases of 5-bed houses within 2 mi ($25,942–$39,932).
Beds
5
Baths
6.5
Sqft
12,602
Year Built
1995
Days on Market
92
Property Type
Single Family
HOA/mo
$15
MLS ID
NDP2607528
This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →
About This Property
• West Side Covenant • Stunning Ocean Views • Private Tennis Court • Lives like a single-level • 12,000+ SQFT, 6 acres • Fabulous Indoor-Outdoor California Living. Set on the coveted west side of the Rancho Santa Fe Covenant, this gated Mediterranean estate spans more than 12,000 square feet on 6 acres and occupies a remarkable vantage point, with sunrise views over the mountains and Rancho Santa Fe Golf Course to the east and panoramic Pacific Ocean sunsets to the west. Designed around its exceptional setting, the 6+ bedroom residence lives primarily as a single-level home, with a private upstairs two-bedroom guest wing offering ideal separation for family and visitors. Generously proportioned spaces accommodate both everyday living and entertaining, including a grand living and dining room that captures views in both directions, while the expansive kitchen, family room, and entertainer's bar look out toward the Pacific. A game room, media room, and gym provide additional spaces for recreation and relaxation. The grounds create a private resort-like environment with a pool and spa, expansive lawns, a beautiful rose garden, and sunken tennis court. Mature landscaping and the property's elevated position provide a peaceful sense of seclusion. Offering impressive scale, an exceptional indoor-outdoor lifestyle, and a setting that captures the beauty of Rancho Santa Fe from morning through sunset, this is a special opportunity within the Covenant.
Mortgage Calculator
Est. Monthly Payment
$191,733
Location
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Zoned Schools
Elementary
R. Roger Rowe Elementary · grades PK-5 · Rancho Santa Fe Elementary
Middle
R. Roger Rowe Middle · grades 6-8 · Rancho Santa Fe Elementary
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
3 comps foundThis Property
$32,444
Comp Average
$28,479
17845 Via De Fortuna
5bd / 6.5ba · 10,363 sqft · Single Family
$29.00M
Est. $26,412/mo
17650 Los Morros
5bd / 7ba · 9,543 sqft · Single Family
$23.85M
Est. $29,003/mo
17474 Via De Fortuna
6bd / 9.5ba · 9,356 sqft · Single Family
$24.95M
Est. $30,023/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 5-bed houses within 2 mi · $25,942–$39,932
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$190,085/mo short at 20% down; +$246,864/mo rent closes it.
- Break-even price
- $3,250,735
- Break-even rent
- $279,308/mo
- Cashflow at 35% down
- −$160,919/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
88% under asking
$246,864/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% 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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