6533 Lago Lindo
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6533 Lago Lindo

Dbottom 20%

Rancho Santa Fe, CA 92067

$13,850,000
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: -$96,984/mo full cashflow at 20% down, 7.43% rate.

Works at $1,222,505 (91% under asking); even all cash loses money at asking.

Rent $17,727/mo from 10 leases of 4–6 bed houses within 2 mi, same school area ($15,681–$21,600).

Beds

5

Baths

6

Sqft

8,382

Year Built

2008

Days on Market

140

Property Type

Single Family

HOA/mo

$4,260

MLS ID

PV26134930

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

Virtual Tour

About This Property

This Cliff May-inspired estate along Lago Lindo announces itself before anyone says much about it, approached by a gentle winding drive and set across from the most commanding view of the lake. Expansive, private, and beautifully composed, its greatest luxury may be how naturally life unfolds here.Completely rebuilt in 2008, this Covenant home is arranged on one level, a rare virtue at this scale. The entry sets a tone of arrival without tipping into performance, and from there the home reveals itself with ease and intelligence: intimate living and dining rooms with peaceful lake views, easy circulation, and a floorplan that understands ceremony and daily life. Just outside, a firepit area offers the simplest ritual--the end of the day, the water, the sunset, and no particular reason to be elsewhere.The big loving heart of the home--the spacious family room and chef's kitchen--opens to a covered outdoor living area with barbecue, pool, and spa. This is not a kitchen designed merely for status and looks; it is for people who cook, gather, and enjoy life. Dinner parties, casual weekends, and quiet evenings for two all feel equally at home here.Outside, the property shifts into resort mode. Lush landscaping, the covered patio, pool, and spa create an elegant private setting for entertaining, while the pool/guest house--with kitchen, bedroom, and full bath--adds gracious independence for visitors.The bedroom layout is particularly well resolved. Two secondary ensuite bedrooms enjoy lake views and are anchored by a large game and media room, creating a lively separate zone. The primary suite occupies its own wing, with an office, gym, separate water closets, two walk-in closets--both spacious, one frankly memorable--and a calm, sumptuous bedroom with direct access to the pool and spa. On the east end, another office, which could function as a fifth bedroom, is joined by an ensuite guest bedroom opening to the back patio.Neutral, richly textured finishes give the interiors sophisticated range, with enough architectural character to hold the room and enough restraint to let the next owner make it personal. Two 3-car garages provide substantial covered parking, with an additional utility vehicle garage at the rear. The appeal of this Rancho Santa Fe Covenant estate is how it brings together lake views, privacy, single-level living, serious entertaining, guest independence, and ease. It is not merely large; it is deeply considered.

Mortgage Calculator

Est. Monthly Payment

$99,092

Principal & Interest$76,943
Property Tax$13,850
Insurance$4,040
HOA$4,260
%($2,770,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    R. Roger Rowe Elementary · grades PK-5 · Rancho Santa Fe Elementary

  • Middle

    R. Roger Rowe Middle · grades 6-8 · Rancho Santa Fe Elementary

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
$17,727

10 leases of 4–6 bed houses within 2 mi, same school area · $15,681–$21,600

Monthly Cashflow

Rent − PITIA

-$81,366
Full Cashflow

Incl. vacancy, PM, maint, capex

-$96,984

What would make this work?

$96,984/mo short at 20% down; +$125,954/mo rent closes it.

Break-even price

91% under asking

$1,222,505
Break-even rent

$125,954/mo above the estimate

$143,681/mo
Cashflow at 35% down
−$82,558/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)
$76,943
Cap Rate
-1.66%
Cash-on-Cash
-42.01%
DSCR

Need ≥ 1.25 for DSCR loan

0.18

NOI (Annual)
-$229,866
Price-to-Rent

Lower = better for investors

65.1

* Modelled at 20% down, 7.43% 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−$96,984/mo