
6533 Lago Lindo
Dbottom 20%Rancho Santa Fe, CA 92067
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 →
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
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.
Comparable Properties
5 comps foundThis Property
$17,727
Comp Average
$25,673
15575 Las Planideras
5bd / 7ba · 7,950 sqft · Single Family
$14.85M
Est. $50,000/mo
5423 Calzada Del Bosque
5bd / 7ba · 9,160 sqft · Single Family
$8.99M
Est. $24,372/mo
14473 Emerald Ln
5bd / 6.5ba · 8,190 sqft · Single Family
$12.99M
Est. $11,786/mo
5315 La Crescenta Road
6bd / 7.5ba · 8,334 sqft · Single Family
$13.49M
Est. $26,384/mo
14296 Dalia Drive
6bd / 6.5ba · 8,182 sqft · Single Family
$9.00M
Est. $15,822/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 4–6 bed houses within 2 mi, same school area · $15,681–$21,600
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$96,984/mo short at 20% down; +$125,954/mo rent closes it.
- Break-even price
- $1,222,505
- Break-even rent
- $143,681/mo
- Cashflow at 35% down
- −$82,558/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
91% under asking
$125,954/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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