7823 Calle Cima
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7823 Calle Cima

Ctop 80%

Rancho Santa Fe, CA 92067

$3,795,000
STR: check · HOA rules unknown · TOT 8%

HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.

Pass at asking: -$14,298/mo full cashflow at 20% down, 7.43% rate.

Works at $1,933,407 (49% under asking), or at 75% down.

Rent $20,311/mo from 10 leases of 5-bed houses in 92067 ($18,641–$23,728).

Beds

5

Baths

4.5

Sqft

5,598

Year Built

2001

Days on Market

56

Property Type

Single Family

HOA/mo

$790

MLS ID

260022551SD

This property is in Rancho Santa Fe (92067). Browse neighborhood analytics →

Virtual Tour

About This Property

Tucked behind the private gates of Cielo, 7823 Calle Cima is contemporary California living, reimagined. The 2026 transformation went far beyond renovation—the entire home was reimagined, with every space reconsidered. Natural textures bring warmth and character throughout, allowing the interiors to feel collected rather than simply new. At its heart, an entirely new kitchen pairs custom oak cabinetry, Calacatta Cremo marble, unlacquered brass finishes, and new Viking appliances. All-new light oak flooring carries throughout the home, while the bathrooms were completely redesigned in French limestone and Carrera Marble. Each fireplace was hand-finished in Italian plaster, creating sculptural depth. Nearly every surface and detail has been renewed, creating a home that feels new while retaining a timeless feel. The home unfolds with effortless scale and light. The main residence includes four bedrooms, complemented by an attached one-bedroom guest suite with a private entrance—offering separation and flexibility for family or guests. Outside, the home opens naturally to the surrounding landscape. A pool and dedicated pool house are joined by an outdoor barbecue area and fire pit, creating an inviting setting for entertaining against a backdrop of sweeping mountain views. Owned solar adds modern efficiency, while Cielo offers 24-hour guard-gated privacy and access to the highly regarded K–8 Roger Rowe School. 7823 Calle Cima is a home defined not by excess, but by the quality of its details—a thoughtful balance of craftsmanship, comfort, and enduring California style.

Mortgage Calculator

Est. Monthly Payment

$26,775

Principal & Interest$21,083
Property Tax$3,795
Insurance$1,107
HOA$790
%($759,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    R. Roger Rowe Elementary · grades PK-5 · Rancho Santa Fe Elementary

  • Middle

    R. Roger Rowe Middle · grades 6-8 · Rancho Santa Fe Elementary

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

26C
Est. Monthly Rent
$20,311

10 leases of 5-bed houses in 92067 · $18,641–$23,728

Monthly Cashflow

Rent − PITIA

-$6,464
Full Cashflow

Incl. vacancy, PM, maint, capex

-$14,298

What would make this work?

$14,298/mo short at 20% down; 75% down or +$18,569/mo rent closes it.

Break-even price

49% under asking

$1,933,407
Break-even rent

$18,569/mo above the estimate

$38,880/mo
Cashflow at 35% down
−$10,345/mo
Down payment to break even

$2,846,250 cash

75%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$21,083
Cap Rate
2.47%
Cash-on-Cash
-22.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.76

NOI (Annual)
$93,606
Price-to-Rent

Lower = better for investors

15.6

* Modelled at 20% down, 7.43% 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.

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CCashflow−$14,298/mo