5535 Porter Creek Road
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5535 Porter Creek Road

C

Carmel Valley, CA 92130

$2,299,000
NEW — 1d

Beds

5

Baths

3

Sqft

2,724

Year Built

2003

Days on Market

1

Property Type

Single Family

HOA/mo

$121

MLS ID

NDP2606554

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

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About This Property

Centrally located on the western edge of Pacific Highlands Ranch, this beautiful Bordeaux home is moments from Sycamore Ridge Elementary and includes access to the resort-style amenities of the West Highlands Pacific Recreation Center. A charming stone façade, mature trees, and manicured landscaping create a warm and inviting presence, while a curved turret entry and decorative tile medallion lend timeless character. Inside, the home opens to a light-filled layout with plantation shutters, recessed lighting, and views of the formal living and dining rooms. The entertaining spaces are centered around a dual-sided fireplace that seamlessly connects the living room to the family room and open-concept kitchen. Designed for both style and function, the kitchen features granite countertops, stainless steel appliances, a new stainless sink and disposal, walk-in pantry, and ample cabinetry. A large sliding door invites you into the private backyard retreat with multiple gathering areas, including a built-in BBQ, gas fire ring, lush lawn, and mature landscaping highlighted by a prolific fig tree. Additional main-level highlights include a full bedroom and bath, ideal for guests or multi-generational living, and a spacious 3-car garage. Upstairs, the expansive primary suite captures elevated views over the backyard and features a ceiling fan for added comfort, a generous walk-in closet, and a spa-inspired bath with a deep soaking tub, oversized shower, dual vanities, and a separate makeup station. Three additional secondary bedrooms share a well-appointed full bath, while a spacious laundry room with built-in storage adds everyday convenience. This home offers low HOA and Mello-Roos fees along with exclusive access to the West Highlands Pacific Recreation Center, where resort-style amenities enrich everyday living. Enjoy nearby parks, scenic hiking and biking trails, and the vibrant shops and dining options at The Village at PHR. All of this, just minutes from the coast and close to top-rated schools including Cathedral Catholic, Canyon Crest Academy, and Torrey Pines High School.

Mortgage Calculator

Est. Monthly Payment

$14,716

Principal & Interest$11,625
Property Tax$2,299
Insurance$671
HOA$121
%($459,800)
%

Location

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Investment Score

6D
Est. Monthly Rent
$8,029
Monthly Cashflow

Rent − PITIA

$-6,687
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,449

Mortgage (P+I)
$11,625
Cap Rate
0.61%
Cash-on-Cash
-27.27%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$21,600

NOI (Annual)
$14,106
Price-to-Rent

Lower = better for investors

23.9

* 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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