5146 Rancho Verde Trail

5146 Rancho Verde Trail

D

Carmel Valley, CA 92130

$6,995,000

Soft Appraisal Value: $6,964,200 · 0.4% above estimate

Beds

5

Baths

6.5

Sqft

7,408

Year Built

2003

Days on Market

31

Property Type

Single Family

HOA/mo

$800

MLS ID

NDP2601697

Description

Positioned within the exclusive guard-gated enclave of Rancho Pacifica, 5146 Rancho Verde Trl presents a beautifully reimagined estate where classic architecture meets a crisp, modern refresh. Thoughtfully transformed throughout, the home pairs dramatic volume with refined finishes—soaring ceilings, elegant archways, and walls of windows that flood the interiors with natural light. Wide-plank white oak floors run seamlessly from room to room, setting a warm, elevated tone. The kitchen is the showpiece—fully redesigned for both function and style with custom white oak cabinetry, dual oversized islands, striking quartzite countertops, and a complete suite of new Thermador appliances. A sculptural marble hood detail anchors the space, while the open layout flows effortlessly into the bright family room and sunlit breakfast nook—perfect for casual mornings or hosting with ease. On the main level, the primary suite offers a true retreat, featuring a spa-caliber bath with an expansive wet room, dual shower heads, and two generous walk-in closets designed for everyday luxury. Additional guest bedrooms are spacious and private, each with its own en-suite bath—ideal for family and visitors alike. Set on just over half an acre, the grounds are designed for resort living with lush landscaping, multiple outdoor gathering areas, and a pool and spa that invite year-round enjoyment. Just minutes from Del Mar, premier schools, acclaimed golf clubs, and coastal access, this is a rare opportunity to own a turnkey home in one of the most coveted communities.

Mortgage Calculator

Est. Monthly Payment

$45,206

Principal & Interest$35,371
Property Tax$6,995
Insurance$2,040
HOA$800
%($1,399,000)
%

Investment Score

0D
Est. Monthly Rent
$14,312
Monthly Cashflow

Rent − PITI − HOA

$-30,894
Full Cashflow

Incl. vacancy, PM, maint, capex

$-40,014

Mortgage (P+I)
$35,371
Cap Rate
-0.80%
Cash-on-Cash
-26.50%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.32
Break-even Rent
$45,206

NOI (Annual)
$-55,727
Price-to-Rent

Lower = better for investors

40.7

* 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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