
5380 Caminito Providencia
Dbottom 20%Rancho Santa Fe, CA 92067
0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 11, 2026.
No unit in this 17-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: -$12,451/mo full cashflow at 20% down, 7.43% rate.
Works at $627,884 (72% under asking), or at all cash.
Rent $7,464/mo from 9 leases of 1–3 bed houses within 2 mi ($7,524–$9,474).
Beds
2
Baths
2.5
Sqft
2,566
Year Built
1985
Days on Market
111
Property Type
Single Family
HOA/mo
$925
MLS ID
260017990SD
This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →
About This Property
Huge price reduction ready to sell! One of the best lots in Montecito! Ideally situated on a quiet cul-de-sac, this exceptional home offers breathtaking views, outstanding privacy, and an unbeatable location just steps from the community pool, spa, and greenbelt. Beautifully remodeled throughout, this 2-bedroom, 2.5-bath residence combines timeless elegance with comfortable everyday living. A gated courtyard entry welcomes you with a stamped concrete patio, creating a charming and private outdoor space. Inside, the light-filled floor plan is enhanced by soaring ceilings, expansive windows, and an open, airy feel. The spacious living room features a cozy fireplace and seamless access to outdoor decks, making it ideal for both entertaining and relaxing. The completely remodeled kitchen showcases granite countertops, and all new appliances, abundant cabinetry, and generous workspace for the home chef. Every bathroom has been tastefully remodeled with quality finishes, offering a fresh, sophisticated look throughout. The thoughtfully designed two-story floor plan includes two spacious primary suites, with one conveniently located on the main level and the second upstairs, providing flexibility for guests, multi-generational living. Both levels enjoy access to beautiful outdoor decks overlooking Del Mar Country Club, where sweeping golf course and hillside views create a tranquil backdrop for morning coffee or evening sunsets. Residents of Montecito enjoy resort-style amenities including a community pool, spa, and beautifully maintained greenbelts. HUGE PRICE REDUCTION: Motivated Sellers....2 HUGE bedrooms could convert 1 to 2 or make an office. Downstairs storage spaces can be built out for additional living or office space. One of the best lots in Montecito! Ideally situated on a quiet cul-de-sac, this exceptional home offers breathtaking views, outstanding privacy, and an unbeatable location just steps from the community pool, spa, and greenbelt. Beautifully remodeled throughout, this 2-bedroom, 2.5-bath residence combines timeless elegance with comfortable everyday living. A gated courtyard entry welcomes you with a stamped concrete patio, creating a charming and private outdoor space. Inside, the light-filled floor plan is enhanced by soaring ceilings, expansive windows, and an open, airy feel. The spacious living room features a cozy fireplace and seamless access to outdoor decks, making it ideal for both entertaining and relaxing. The completely remodeled kitchen showcases granite countertops, and all new appliances, abundant cabinetry, and generous workspace for the home chef. Every bathroom has been tastefully remodeled with quality finishes, offering a fresh, sophisticated look throughout. The thoughtfully designed two-story floor plan includes two spacious primary suites, with one conveniently located on the main level and the second upstairs, providing flexibility for guests, multi-generational living. Both levels enjoy access to beautiful outdoor decks overlooking Del Mar Country Club, where sweeping golf course and hillside views create a tranquil backdrop for morning coffee or evening sunsets. Residents of Montecito enjoy resort-style amenities including a community pool, spa, and beautifully maintained greenbelts, all within easy walking distance. With its premium location, spectacular views, complete remodel, and versatile floor plan, this home presents an exceptional opportunity as a primary residence, second home, or investment property in one of the area's most sought-after communities.
Mortgage Calculator
Est. Monthly Payment
$16,324
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.
Comparable Properties
2 comps foundThis Property
$7,464
Comp Average
$10,509
7922 Silvery Moon Ln
4bd / 4.5ba · 3,881 sqft · Single Family
$2.55M
Est. $11,265/mo

5851 Saratoga Corte
3bd / 3.5ba · 3,220 sqft · Single Family
$3.00M
Est. $9,753/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 1–3 bed houses within 2 mi · $7,524–$9,474
Blended 50/50 with a property-level estimate
A property-level estimate runs more than 25% below what comparable homes leased for ($8,716). Treat this rent with extra care.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$12,451/mo short at 20% down; 100% down or +$16,170/mo rent closes it.
- Break-even price
- $627,884
- Break-even rent
- $23,634/mo
- Cashflow at 35% down
- −$10,108/mo
- Down payment to break even
- 100%
- Rate to break even
- Not reachable
72% under asking
$16,170/mo above the estimate
$2,249,000 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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