4860 Rancho Verde Trail San Diego

4860 Rancho Verde Trail San Diego

D

Carmel Valley, CA 92130

$6,895,000

Beds

5

Baths

6

Sqft

8,128

Year Built

2006

Days on Market

110

Property Type

Single Family

HOA/mo

$800

MLS ID

NDP2510464

Description

This stunning Greg Agee–built custom estate sits on an elevated lot in the guard-gated community of Rancho Pacifica, offering beautiful views, an A+ floor plan, and seamless indoor/outdoor living. The main level features a luxurious primary suite with spa-like bath, en-suite guest room, wood paneled office, climate-controlled wine cellar, home theater, gym/game room, and living/dining rooms with views of the resort-style backyard. The chef’s kitchen and great room open to a covered patio with fireplace, outdoor kitchen, and a gorgeous pool and spa, surrounded by lush landscaping, fruit trees, and a grassy area perfect for kids or pets. Interior highlights include French Traditions custom cabinetry throughout, pecan plank wood and travertine floors, and brand new laser jet theater projector, plus in-home speakers, fully paid solar, and Lutron lighting system. Residents love Rancho Pacifica’s highly sought-after West-side location, offering easy access to shopping or dining at One Paseo, top-rated schools, the beach, and major freeways—all while feeling exceptionally private and tucked away. This is luxury living at its finest in one of North County’s most prestigious communities.

Mortgage Calculator

Est. Monthly Payment

$44,571

Principal & Interest$34,865
Property Tax$6,895
Insurance$2,011
HOA$800
%($1,379,000)
%

Investment Score

1D
Est. Monthly Rent

Zillow Rent Zestimate

$23,292
Monthly Cashflow
$-32,382

Mortgage (P+I)
$34,865
Cap Rate
0.43%
Cash-on-Cash
-28.18%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.67
Break-even Rent
$53,811

NOI (Annual)
$29,796
Price-to-Rent

Lower = better for investors

24.7

* Defaults: 20% down, 6.5% rate, 30yr.

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