6545 Windward Ridge Way
Ctop 80%San Diego, CA 92121
2 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.
None of the 40 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: -$7,393/mo full cashflow at 20% down, 7.36% rate.
Works at $632,616 (60% under asking), or at 87% down.
Rent $6,404/mo from 12 leases of 4-bed houses within 2 mi ($5,614–$6,683).
Beds
4
Baths
3
Sqft
2,527
Year Built
1999
Days on Market
1
Property Type
Single Family
HOA/mo
$96
MLS ID
260026898SD
This property is in San Diego (92121). View neighborhood stats →
About This Property
Welcome to Pacific Ridge, a highly sought-after Sorrento Valley community prized for its exceptional location, highly regarded schools, and welcoming neighborhood atmosphere. This inviting residence offers 4 bedrooms, an optional 5th bedroom, and 3 full baths, including a versatile first-floor bedroom and adjacent bath ideal for guests, a home office, or multigenerational living. Soaring vaulted ceilings enhance the light-filled living and formal dining rooms, while plantation shutters throughout add timeless style. The refreshed kitchen features brand-new appliances and opens to the family room, creating a welcoming space for everyday living and entertaining. Designed to embrace San Diego’s indoor-outdoor lifestyle, the home flows seamlessly to a private backyard retreat with a sparkling pool and spa, dedicated BBQ area, and ample room for outdoor dining and lounge seating. Upstairs, the spacious primary suite features a spa-inspired bath with a jetted soaking tub, separate shower, and generous walk-in closet. A large loft provides additional living space or the potential for a 5th bedroom. Fresh interior paint and a brand-new AC unit make this home ready to enjoy. Ideally located near Sorrento Valley’s technology and biotech centers, scenic hiking trails, shopping, dining, beaches, COASTER transit, and convenient access to I-5, I-805, and SR-56. Experience space, versatility, and resort-style living in one of North San Diego’s most desirable communities.
Mortgage Calculator
Est. Monthly Payment
$10,990
Location
Loading map...
Zoned Schools
Elementary
Hickman Elementary · grades K-5 · San Diego Unified
Middle
Challenger Middle · grades 6-8 · San Diego Unified
High
Mira Mesa High · grades 9-12 · San Diego Unified
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
12 leases of 4-bed houses within 2 mi · $5,614–$6,683
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$7,393/mo short at 20% down; 87% down or +$9,601/mo rent closes it.
- Break-even price
- $632,616
- Break-even rent
- $16,005/mo
- Cashflow at 35% down
- −$5,738/mo
- Down payment to break even
- 87%
- Rate to break even
- Not reachable
60% under asking
$9,601/mo above the estimate
$1,391,999 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
Open Full Calculator