5544 Mill Creek Rd
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5544 Mill Creek Rd

D

Carmel Valley, CA 92130

$2,250,000
NEW — 1d

Beds

4

Baths

3

Sqft

2,627

Year Built

2004

Days on Market

1

Property Type

Single Family

HOA/mo

$121

MLS ID

260012291SD

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

About This Property

Tucked on a quiet interior street in Bordeaux at Pacific Highlands Ranch, this 4 bedroom, 3 bathroom home offers 2,627 square feet with an exceptional floorplan, abundant natural light, and walkable access to Solana Ranch Elementary, Carmel Valley Middle, and Torrey Pines High. The layout features a main floor bedroom and full bath, separate family and living rooms, a formal dining room, and an open loft perfect for a home office. Arched doorways, a custom staircase with mother of pearl mosaic risers, stained glass window, and Spanish style accents add lasting character. Upgrades include hand scraped espresso wood flooring, travertine tile, luxury vinyl plank upstairs, zero VOC paint, stainless steel appliances, and a brand new double wall oven with air fry. Caesarstone countertops in the primary bath. Extra wide staircase throughout. The large lot features mature landscaping, fruit trees, multiple seating areas, a 50 amp spa hookup, and a rare gated side yard ideal for a dog run. The 3 car tandem garage offers workshop potential or conversion to a 5th bedroom. Bordeaux at PHR has the lowest HOA dues in Pacific Highlands Ranch with no increase this year. Enjoy the West Highlands Recreation Center with pool, spa, gym, and clubhouse. Minutes to Del Mar beaches, trails, and top dining.

Mortgage Calculator

Est. Monthly Payment

$14,404

Principal & Interest$11,377
Property Tax$2,250
Insurance$656
HOA$121
%($450,000)
%

Location

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Investment Score

2D
Est. Monthly Rent
$6,931
Monthly Cashflow

Rent − PITIA

$-7,473
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,942

Mortgage (P+I)
$11,377
Cap Rate
0.23%
Cash-on-Cash
-29.18%
DSCR

Need ≥ 1.25 for DSCR loan

0.48
Break-even Rent
$21,142

NOI (Annual)
$5,218
Price-to-Rent

Lower = better for investors

27.1

* 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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