5544 Mill Creek Road

5544 Mill Creek Road

D

San Diego, CA 92130

$2,199,000

Beds

4

Baths

3

Sqft

2,629

Year Built

2004

Days on Market

31

Property Type

Single Family

HOA/mo

$121

MLS ID

NDP2600645

Description

Beautiful Bordeaux home within the Pacific Highlands Ranch neighborhood in Carmel Valley in super quiet location. Great floorplan with spacious dining room, separate family and living room, bedroom on main level, wide staircase and loft/office overlooking lower level. One of the best values in Carmel Valley. Abundant natural light, architectural details such as arched doorways and Spanish style exterior features including awning and tower entry make this property stand out. Interior highlights include stairs with hand scraped espresso engineered wood floor and mother of pearl mosaic riser, travertine tile on lower level, vinyl planks on upper level, stainless steel appliances incl. brand new, never used double wall oven with air fry function, stained-glass window in living room, low VOC paint, Caesarstone countertop in primary bathroom and additional exterior lighting. This home features 4 BDR, 3 BA plus loft/office and a 3-car tandem garage/workshop. Recent upgrades include exterior painting in June of 2025. Large lot with multiple seating areas including side yard with gate which can be used as dog run or play area. Multi-purpose outdoor spaces, pre-plumbed with 50-amp outlet for spa. Mature plants, fruit trees and water wise landscaping. Access to the West Highlands Pacific recreation center with wonderful amenities such as pool, spa, clubhouse, gym, outdoor seating and barbeque areas. Lowest HOA dues in all of Pacific Highlands Ranch! Convenient shopping nearby and close to top-rated schools, all in walking distance. Short drive to the beach.

Mortgage Calculator

Est. Monthly Payment

$14,081

Principal & Interest$11,119
Property Tax$2,199
Insurance$641
HOA$121
%($439,800)
%

Investment Score

0D
Est. Monthly Rent

Zillow Rent Zestimate

$6,100
Monthly Cashflow
$-11,216

Mortgage (P+I)
$11,119
Cap Rate
-0.05%
Cash-on-Cash
-30.60%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$16,828

NOI (Annual)
$-1,158
Price-to-Rent

Lower = better for investors

30.0

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

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