7545 Top O The Morning Way
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7545 Top O The Morning Way

D

4S Ranch, CA 92127

$5,299,000
NEW — 2d

Beds

4

Baths

4.5

Sqft

6,523

Year Built

2022

Days on Market

2

Property Type

Single Family

HOA/mo

$800

MLS ID

260009410SD

This property is in 4S Ranch (92127). View neighborhood stats →

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About This Property

Completed in 2022, this exceptional custom estate is among the newest offerings in the Crosby at Rancho Santa Fe. Designed by Scott Grunst and set on a quiet, premier street, the home blends timeless architecture with modern refinement across approximately 6,523 square feet. A dramatic 22-foot foyer with arched windows, hardwood floors, exposed beams, and a wrought-iron staircase sets the tone. The chef’s kitchen features an eight-burner Wolf range with infrared charbroiler, 64-inch refrigerator/freezer, and dual dishwashers, complemented by a wet bar with kegerator and a temperature- and humidity-controlled wine cellar for approximately 800 bottles. Seamless indoor-outdoor living is achieved with disappearing pocket doors opening to a covered loggia with full outdoor kitchen, fireplace, and Wolf BBQ. The private backyard offers a PebbleTec® rim-flow pool, vanishing-edge spa, fire features, and unobstructed sunset views over a protected natural preserve with no rear neighbors. The flexible floor plan includes a main level executive office with fireplace and built-ins, plus a guest or secondary primary suite ideal for multigenerational living. Upstairs features a spacious primary retreat, two en-suite bedrooms, and a loft with private balcony. Within the highly rated Solana Santa Fe (K–8) and Torrey Pines High School districts, and near top private academies. Partial early Mello-Roos payoff in 2030. Additional highlights include Brazilian quartzite countertops, custom stained alder cabinetry, owned solar, an expansive motor court, and a four-car garage configuration, attached two-car with Tesla charger plus a detached, insulated two-car garage pre-wired for A/C, ideal for a gym or studio. Residents enjoy access to The Crosby’s Fred Couples-designed golf course, 35,000-square-foot clubhouse, tennis and pickleball courts, pool, spa, fitness center, dining, and social events. Convenient access to Rancho Santa Fe Village and Hwy 56, I-15, and I-5.

Mortgage Calculator

Est. Monthly Payment

$34,439

Principal & Interest$26,795
Property Tax$5,299
Insurance$1,546
HOA$800
%($1,059,800)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,536
Monthly Cashflow

Rent − PITIA

$-26,904
Full Cashflow

Incl. vacancy, PM, maint, capex

$-33,053

Mortgage (P+I)
$26,795
Cap Rate
-1.42%
Cash-on-Cash
-37.43%
DSCR

Need ≥ 1.25 for DSCR loan

0.22
Break-even Rent
$50,462

NOI (Annual)
$-75,097
Price-to-Rent

Lower = better for investors

58.6

* 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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