5457 White Oak Lane

5457 White Oak Lane

D

San Diego, CA 92130

$2,395,000

Beds

5

Baths

3

Sqft

2,726

Year Built

2006

Days on Market

8

Property Type

Single Family

HOA/mo

$121

MLS ID

NDP2601689

Description

Discover a rare opportunity in Carmel Valley’s highly sought-after Pacific Highlands Ranch. This impeccably maintained 5-bedroom, 3-bath home is move-in ready and filled with quality upgrades. Mature cypress trees create inviting curb appeal. The main level offers formal living and dining rooms, a full guest bedroom and bath, and a beautifully updated gourmet kitchen with quartz countertops, oversized island, and premium KitchenAid and Dacor appliances. The kitchen opens to the family room, which features a gas fireplace and a custom-built-in surround sound system. Upstairs features an expansive primary suite with sunset views, a spa-style bath with a soaking tub, dual vanities, a marble-tiled shower, and a large walk-in closet with custom built-ins. Three additional bedrooms, a full bath, and an upstairs laundry complete the second level. Select bedrooms include walk-in closets; one features a built-in desk ideal for a home office. Designer finishes include real hardwood floors, custom tile, plush carpet, fresh interior paint, and elegant window treatments. Additional highlights include a three-car garage with epoxy floors and storage, 6.8 kW owned solar, Bosch dual-zone HVAC with Ecobee thermostats, and attic fan. Private backyard retreat with seating areas, rose gardens, and mature landscaping. Community amenities include the West Highlands Pacific Recreation Center. Conveniently located near top-rated schools, shopping, dining, and The Village at Pacific Highlands Ranch.

Mortgage Calculator

Est. Monthly Payment

$15,325

Principal & Interest$12,110
Property Tax$2,395
Insurance$699
HOA$121
%($479,000)
%

Investment Score

2D
Est. Monthly Rent

Market Rent Estimate

$7,967
Monthly Cashflow

Rent − PITI − HOA

$-7,358
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,187

Mortgage (P+I)
$12,110
Cap Rate
0.46%
Cash-on-Cash
-18.43%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.66
Break-even Rent
$15,325

NOI (Annual)
$11,085
Price-to-Rent

Lower = better for investors

25.1

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

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