5125 Triple Crown Row
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5125 Triple Crown Row

Dbottom 20%

Carmel Valley, CA 92130

$2,898,000
STR: check · no permits in this complex · TOT 11.75%

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 24-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$16,645/mo full cashflow at 20% down, 7.36% rate.

Works at $719,866 (75% under asking); even all cash loses money at asking.

Rent $7,946/mo from 14 leases of 1–3 bed houses within 2 mi ($7,024–$9,786).

Beds

2

Baths

2.5

Sqft

2,851

Year Built

1988

Days on Market

45

Property Type

Single Family

HOA/mo

$617

MLS ID

260023610SD

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

Virtual Tour

About This Property

A lifestyle location, above all else! Welcome to 5125 Triple Crown Row, an elegant single-level residence in the highly-sought-after private gated community of Stratford. Set on an oversized cul-de-sac lot, this approximately 2,851-square-foot home combines gracious indoor living, inviting outdoor spaces, and exceptional everyday functionality in one of Rancho Santa Fe’s most desirable neighborhoods. A grand entry introduces a thoughtfully designed floor plan with two bedrooms, two-and-a-half baths, a private office, formal dining room, and generous living areas. Vaulted ceilings, hardwood floors, and abundant natural light create a bright, welcoming atmosphere throughout the home. The formal living room and adjoining family room are connected by a striking see-through fireplace, offering both architectural interest and comfortable gathering space. A built-in wet bar enhances the home’s entertaining appeal, while multiple French doors create an easy transition to the gardens beyond. The custom kitchen is well appointed with quality cabinetry, a Viking cooktop, warming drawer, Sub-Zero refrigerator/freezer, microwave drawer, prep sink, generous counter space, and a walk-in pantry. Nearby, a sunny breakfast area opens to the landscaped side yard, and the mirrored formal dining room connects directly to the backyard for effortless indoor-outdoor dining. The spacious primary suite provides a peaceful retreat with its own fireplace and French doors opening to the private rear yard. Impeccable pride of ownership! A lifestyle location, above all else! Welcome to 5125 Triple Crown Row, an elegant single-level residence in the highly-sought-after private gated community of Stratford. Set on an oversized cul-de-sac lot, this approximately 2,851-square-foot home combines gracious indoor living, inviting outdoor spaces, and exceptional everyday functionality in one of Rancho Santa Fe’s most desirable neighborhoods. A grand entry introduces a thoughtfully designed floor plan with two bedrooms, two-and-a-half baths, a private office, formal dining room, and generous living areas. Vaulted ceilings, hardwood floors, and abundant natural light create a bright, welcoming atmosphere throughout the home. The formal living room and adjoining family room are connected by a striking see-through fireplace, offering both architectural interest and comfortable gathering space. A built-in wet bar enhances the home’s entertaining appeal, while multiple French doors create an easy transition to the gardens beyond. The custom kitchen is well appointed with quality cabinetry, a Viking cooktop, warming drawer, Sub-Zero refrigerator/freezer, microwave drawer, prep sink, generous counter space, and a walk-in pantry. Nearby, a sunny breakfast area opens to the landscaped side yard, and the mirrored formal dining room connects directly to the backyard for effortless indoor-outdoor dining. The spacious primary suite provides a peaceful retreat with its own fireplace and French doors opening to the private rear yard. Lush landscaping, a water fountain, and tranquil open-air garden views create a serene setting for relaxing, entertaining, or dining outdoors. The oversized two-car garage adds rare versatility with extensive built-in cabinetry, abundant storage, a full-size laundry area with utility sink, an additional Sub-Zero refrigerator/freezer, a wine refrigerator, and ample workspace. Ideally located near top-rated schools, shopping, dining, golf, beaches, and major freeways, this exceptional Stratford residence offers privacy, comfort, and convenience in a premier coastal San Diego location. A must see!

Mortgage Calculator

Est. Monthly Payment

$20,349

Principal & Interest$15,989
Property Tax$2,898
Insurance$845
HOA$617
%($579,600)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Solana Santa Fe Elementary · grades K-6 · Solana Beach Elementary

  • Middle

    Earl Warren Middle · grades 7-8 · San Dieguito Union High

  • High

    Torrey Pines High · grades 9-12 · San Dieguito Union High

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

0D
Est. Monthly Rent
$7,946

14 leases of 1–3 bed houses within 2 mi · $7,024–$9,786

Monthly Cashflow

Rent − PITIA

-$12,403
Full Cashflow

Incl. vacancy, PM, maint, capex

-$16,645

What would make this work?

$16,645/mo short at 20% down; +$21,618/mo rent closes it.

Break-even price

75% under asking

$719,866
Break-even rent

$21,618/mo above the estimate

$29,564/mo
Cashflow at 35% down
−$13,648/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$15,989
Cap Rate
-0.11%
Cash-on-Cash
-34.46%
DSCR

Need ≥ 1.25 for DSCR loan

0.39

NOI (Annual)
-$3,111
Price-to-Rent

Lower = better for investors

30.4

* Modelled at 20% down, 7.36% 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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DCashflow−$16,645/mo