7628 Top O The Morning Way
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7628 Top O The Morning Way

D

4S Ranch, CA 92127

$5,250,000

Soft Appraisal Value: $5,127,000 · 2.4% above estimate

Beds

4

Baths

4.5

Sqft

6,085

Year Built

2007

Days on Market

65

Property Type

Single Family

HOA/mo

$800

MLS ID

260006229SD

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

Virtual Tour

About This Property

Stunning single-level home with spectacular panoramic views located in the guard gated community of The Crosby at Rancho Santa Fe. Spanning approximately 6,085 square feet, this custom-designed home features 4 bedrooms plus a dedicated office, soaring ceilings, and an abundance of natural light throughout. Upon entry, beautiful exposed wood beams immediately capture your attention, setting the tone for the home’s elegant design. The custom built-in office provides the perfect space for work or study. An expansive open-concept living room with fireplace flows seamlessly into the informal dining area and gourmet kitchen. The chef’s kitchen is outfitted with premium stainless-steel appliances, generous counter space, and a large island, making it ideal for both everyday living and entertaining. The home also features a private movie room for the ultimate entertainment experience. Each bedroom is ensuite, offering comfort and privacy. The spacious primary suite features soaring ceilings and a beautifully remodeled, light-filled bathroom complete with dual vanities, a large floating soaking tub, two water closets, and dual walk-in closets. Step outside to enjoy the expansive backyard with lush grass areas, a large pool and spa, and a fully equipped outdoor BBQ area—perfect for entertaining while taking in the amazing views. The family room opens to a covered outdoor living space with fireplace and seating, creating seamless indoor-outdoor living. Additional features include a 4-car garage and a prime location close to freeways, shopping, restaurants, and top-rated schools.

Mortgage Calculator

Est. Monthly Payment

$34,128

Principal & Interest$26,547
Property Tax$5,250
Insurance$1,531
HOA$800
%($1,050,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,475
Monthly Cashflow

Rent − PITIA

$-26,653
Full Cashflow

Incl. vacancy, PM, maint, capex

$-32,747

Mortgage (P+I)
$26,547
Cap Rate
-1.42%
Cash-on-Cash
-37.43%
DSCR

Need ≥ 1.25 for DSCR loan

0.22
Break-even Rent
$50,004

NOI (Annual)
$-74,403
Price-to-Rent

Lower = better for investors

58.5

* 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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