4860 Rancho Verde Trail San Diego

4860 Rancho Verde Trail San Diego

D

Carmel Valley, CA 92130

$6,749,000
NEW — 4d on market

Beds

5

Baths

6

Sqft

8,128

Year Built

2006

Days on Market

4

Property Type

Single Family

HOA/mo

$800

MLS ID

NDP2601912

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

$43,644

Principal & Interest$34,127
Property Tax$6,749
Insurance$1,968
HOA$800
%($1,349,800)
%

Investment Score

2D
Est. Monthly Rent

Market Rent Estimate

$23,292
Monthly Cashflow

Rent − PITI − HOA

$-20,352
Full Cashflow

Incl. vacancy, PM, maint, capex

$-31,333

Mortgage (P+I)
$34,127
Cap Rate
0.50%
Cash-on-Cash
-18.09%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.68
Break-even Rent
$43,644

NOI (Annual)
$33,524
Price-to-Rent

Lower = better for investors

24.1

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

Get Expert AnalysisOpen Full Calculator