6540 Windward Ridge Way
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6540 Windward Ridge Way

C

San Diego, CA 92121

$1,699,000
NEW — 2d

Soft Appraisal Value: $1,675,000 · 1.4% above estimate

Beds

4

Baths

3

Sqft

2,527

Year Built

1999

Days on Market

2

Property Type

Single Family

HOA/mo

$96

MLS ID

NDP2606600

This property is in San Diego (92121). View neighborhood stats →

Virtual Tour

About This Property

Wake up to sweeping views of Penasquitos Canyon Preserve and end your day with sunset views from this beautifully maintained 4-bedroom, 3-bath home with a spacious bonus room. Designed to embrace its stunning natural surroundings, the home is filled with light from soaring ceilings and clerestory windows, while rich maple hardwood flooring creates a warm and inviting atmosphere throughout. At the heart of the home, the upgraded kitchen with quartz countertops, stainless steel appliances, and abundant cabinetry flows effortlessly into the breakfast area and family room with a cozy gas fireplace; an ideal setting for everything from quiet mornings to gatherings with family and friends. The primary suite is a peaceful retreat, featuring vaulted ceilings, a walk-in closet, and a private balcony with panoramic canyon views. The spa inspired bath offers travertine finishes, marble countertops, dual vanities, a soaking tub, a heated towel rack, and a walk-in shower with four body sprays. Outside, the backyard invites you to slow down and enjoy Southern California living. Relax in the spa, entertain under the pergola-covered BBQ and dining area, or simply unwind on the stamped concrete patio while taking in the peaceful canyon backdrop. Lush landscaping and low-maintenance artificial turf complete this private outdoor sanctuary. Additional highlights include owned solar panels, two Tesla charging outlets, a finished three-car garage with epoxy flooring and built-in cabinetry, plantation shutters, recessed lighting, and custom cabinet and drawer organizers throughout. Thoughtfully designed and meticulously cared for, this home combines comfort, efficiency, and breathtaking canyon views in one exceptional setting.

Mortgage Calculator

Est. Monthly Payment

$10,882

Principal & Interest$8,591
Property Tax$1,699
Insurance$496
HOA$96
%($339,800)
%

Location

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Comparable Properties

1 comp found

This Property

$6,117

vs

Comp Average

$4,335

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

7D
Est. Monthly Rent
$6,117
Monthly Cashflow

Rent − PITIA

$-4,765
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,588

Mortgage (P+I)
$8,591
Cap Rate
0.71%
Cash-on-Cash
-26.80%
DSCR

Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$15,971

NOI (Annual)
$12,039
Price-to-Rent

Lower = better for investors

23.1

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

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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