6042 Blue Dawn Trl

6042 Blue Dawn Trl

Ctop 80%

Carmel Valley, CA 92130

$1,995,000
NEW — 0d
STR: check · no permits on this tract · TOT 11.75%

2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 3, 2026.

None of the 183 homes on this home's recorded tract holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$10,734/mo full cashflow at 20% down, 7.49% rate.

Works at $603,337 (70% under asking), or at 98% down.

Rent $6,423/mo from 10 leases of 4-bed houses within 1 mi ($5,881–$6,505).

Beds

4

Baths

2.5

Sqft

2,413

Year Built

2005

Days on Market

0

Property Type

Single Family

HOA/mo

$292

MLS ID

260026124SD

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

About This Property

Where move in ready meets resort style living in the heart of Pacific Highlands Ranch. This Portico (Plan 3) home has been thoughtfully remodeled, with a redesigned downstairs floor plan that opens the living area to the backyard patio through new double doors, creating easy indoor outdoor entertaining. The remodeled kitchen features white cabinetry with black hardware, a contrasting charcoal island, quartz countertops, stainless steel appliances, a tile backsplash, and added upper cabinets for custom built-in style storage. Hardwood flooring flows throughout the first floor, recessed lighting brightens the entire home, and the family room fireplace is framed by patterned tile with a new wood mantel. A private patio, owned solar, and a primary closet with custom organizers add everyday ease. Plantation shutters, a whole house fan, and additional insulation round out the comfort. The garage is as practical as the rest of the home, with epoxy flooring, side wall storage cabinets, and three overhead racks, plus a spacious side yard with two large storage sheds. Beyond your front door, Portico offers resort style amenities, including a front desk, pools, a splash pad, an outdoor entertaining area with a fireplace, and fitness space indoors and out. Shopping, dining, and the neighborhood elementary school minutes away with easy freeway access and Del Mar beaches within reach. Come experience the Portico lifestyle in a home that is ready for its next chapter. Updated 4 bedroom, 2.5 bathroom Portico home in Pacific Highlands Ranch with an updated kitchen, luxury vinyl tile flooring, owned solar, and a private patio off the living area. Community amenities include a front desk, pools, a splash pad, an outdoor entertaining area with a fireplace, and indoor and outdoor fitness space.

Mortgage Calculator

Est. Monthly Payment

$14,017

Principal & Interest$11,149
Property Tax$1,995
Insurance$582
HOA$292
%($399,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Solana Ranch Elementary · grades K-6 · Solana Beach Elementary

  • Middle

    Pacific Trails 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

4C
Est. Monthly Rent
$6,423

10 leases of 4-bed houses within 1 mi · $5,881–$6,505

Blended 50/50 with the zip's market median ($6,589)

Monthly Cashflow

Rent − PITIA

-$7,595
Full Cashflow

Incl. vacancy, PM, maint, capex

-$10,734

What would make this work?

$10,734/mo short at 20% down; 98% down or +$13,941/mo rent closes it.

Break-even price

70% under asking

$603,337
Break-even rent

$13,941/mo above the estimate

$20,364/mo
Cashflow at 35% down
−$8,644/mo
Down payment to break even

$1,955,100 cash

98%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$11,149
Cap Rate
0.44%
Cash-on-Cash
-32.28%
DSCR

Need ≥ 1.25 for DSCR loan

0.46

NOI (Annual)
$8,824
Price-to-Rent

Lower = better for investors

25.9

* Modelled at 20% down, 7.49% 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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CCashflow−$10,734/mo