7635 Little Creek Road
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7635 Little Creek Road

D

San Marcos, CA 92078

$2,495,000
NEW — 0d on market

Beds

5

Baths

5

Sqft

4,276

Year Built

1996

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2603316

This property is in San Marcos (92078). View neighborhood stats →

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About This Property

Located within the highly sought-after Rancho Santa Fe Elementary and San Dieguito Union High School Districts, this expansive estate in Elfin Forest offers a rare blend of space, privacy, and opportunity on over 4 acres of usable land—all within a gated enclave. Featuring a primarily single-story living with one bed/bath above, the home spans more than 4,000 square feet and includes 5 spacious bedrooms plus a versatile optional room, 4 full bathrooms, and 2 half baths—providing a flexible layout ideal for both everyday living and entertaining, including multi-generational living. Inside, soaring ceilings and abundant natural light create a bright, open feel throughout. The heart of the home is a generous kitchen that opens to inviting living spaces, complemented by a wet bar—perfect for entertaining. Enjoy cozy evenings with fireplaces in both the living room and family room. Additional features include central air conditioning, a water filtration system, and fire sprinklers for added comfort and peace of mind. Step outside to your private backyard retreat, complete with a pool and spa with an automatic cover, surrounded by serene natural beauty and expansive, flat, usable land—ideal for creating your dream outdoor lifestyle. Lovingly maintained, the home reflects pride of ownership while offering incredible versatility, including horse zoning and potential for an ADU, guest house, barn, or additional outbuildings. A three-car garage is complemented by a circular driveway in front of the home, providing ample parking. This is a rare opportunity to enjoy space, flexibility, and top-tier schools in one of North County’s most desirable, exclusive, semi-rural communities.

Mortgage Calculator

Est. Monthly Payment

$15,839

Principal & Interest$12,616
Property Tax$2,495
Insurance$728
%($499,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$6,871
Monthly Cashflow

Rent − PITIA

$-8,968
Full Cashflow

Incl. vacancy, PM, maint, capex

$-12,628

Mortgage (P+I)
$12,616
Cap Rate
-0.01%
Cash-on-Cash
-30.37%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.43
Break-even Rent
$23,270

NOI (Annual)
$-138
Price-to-Rent

Lower = better for investors

30.3

* 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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