5962 Rancho Diegueno Rd.
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5962 Rancho Diegueno Rd.

Dbottom 20%

Rancho Santa Fe, CA 92067

$14,845,000
STR: check · HOA rules unknown · TOT 8%

HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.

Pass at asking: -$91,749/mo full cashflow at 20% down, 7.36% rate.

Works at $2,839,528 (81% under asking); even all cash loses money at asking.

Rent $29,356/mo from 13 leases of houses within 2 mi, same school area, size-adjusted ($23,750–$32,444).

Beds

7

Baths

9.5

Sqft

17,355

Year Built

2000

Days on Market

46

Property Type

Single Family

HOA/mo

$904

MLS ID

260023585SD

This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →

Virtual Tour

About This Property

Rarely does an Estate of this scale, privacy and distinction become available. Villa Lourdes reveals itself through a canopy of mature trees, rolling grounds and sweeping panoramic views of the Ranch. Private, elevated and removed, the Estate feels less like a residence and more like a world of its own. Life naturally gravitates outdoors, open-air pavilion with dual fireplaces, chef’s kitchen, barbecue, wood-fired pizza oven and full bath. A place where lunches linger into sunset, music carries across the water, evenings unfold without ever needing to move indoors. Resort-style pool shaped by natural rock formations and twin cascading waterfalls, Custom 18-foot Brazilian mahogany doors open to interiors that balance architectural grandeur with genuine warmth. Soaring formal living room with ceilings rising more than 24 feet creates a dramatic sense of arrival, expansive view-filled kitchen, game room and private theater offer distinct spaces for every occasion. A sense of intrigue awaits. The speakeasy-style bar and adjoining wine cellar provide a richly atmospheric setting. The grand primary suite is its own private retreat, complete with a fireside sitting room and dual ensuites with sweeping views. A detached guest residence offers visitors privacy and independence while remaining connected.Minutes from acclaimed resorts, golf and country clubs, private aviation and equestrian, freedom to live privately, entertain generously and create a legacy. A home of extraordinary scale it is a place where generations traditions can begin also can feel removed.

Mortgage Calculator

Est. Monthly Payment

$101,982

Principal & Interest$81,903
Property Tax$14,845
Insurance$4,330
HOA$904
%($2,969,000)
%
Loan Term

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.

Investment Score

0D
Est. Monthly Rent
$29,356

13 leases of houses within 2 mi, same school area, size-adjusted · $23,750–$32,444

Monthly Cashflow

Rent − PITIA

-$72,626
Full Cashflow

Incl. vacancy, PM, maint, capex

-$91,749

What would make this work?

$91,749/mo short at 20% down; +$119,154/mo rent closes it.

Break-even price

81% under asking

$2,839,528
Break-even rent

$119,154/mo above the estimate

$148,510/mo
Cashflow at 35% down
−$76,392/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$81,903
Cap Rate
-0.68%
Cash-on-Cash
-37.08%
DSCR

Need ≥ 1.25 for DSCR loan

0.29

NOI (Annual)
-$100,535
Price-to-Rent

Lower = better for investors

42.1

* Modelled at 20% down, 7.36% 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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DCashflow−$91,749/mo