
7947 High Time Ridge
Ctop 80%4S Ranch, CA 92127Neighborhood: Santa Fe Valley
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: -$16,087/mo full cashflow at 20% down, 7.36% rate.
Works at $845,004 (71% under asking), or at all cash.
Rent $9,425/mo from 8 leases of 4-bed houses within 2 mi ($7,377–$14,379).
Beds
4
Baths
4.5
Sqft
3,563
Year Built
2013
Days on Market
21
Property Type
Single Family
HOA/mo
$800
MLS ID
NDP2609614
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
Experience elevated luxury in this exceptional resort-style estate, perfectly positioned on a prime corner lot within the prestigious guard-gated community of The Crosby. Offering parklike views from almost every room, this 4-bedroom, 3,653-square-foot residence features a versatile detached casita and effortlessly combines sophisticated style with functional design. Crafted by Toll Brothers in 2013, the home makes a striking impression with elegant architectural details, sophisticated finishes, and thoughtfully designed spaces that feel both timeless and current. At the heart of the residence is a gourmet kitchen featuring an expansive central island, refined designer surfaces, and abundant storage. Designed for effortless living and privacy, the floor plan offers four en-suite bedrooms, including three in the main house and a private detached casita ideal for guests, a second office, or multigenerational living. Additional highlights include 4.5 baths, a dedicated office, and an oversized upstairs loft perfect for a media lounge or kids’ play area. The primary retreat serves as a peaceful haven, pairing dramatic architectural lines with serene greenbelt views. Outside, the wraparound yard invites effortless indoor-outdoor entertaining, framed by lush, parklike scenery. Situated across from a quiet neighborhood park on an 8,084 sqft lot, the home is within walking distance of The Crosby’s clubhouse, sports center, and resort-style amenities - delivering a San Diego lifestyle that must be experienced in person. Access to The Crosby’s world-class 18-hole golf club with a complete sports center and gourmet dining options (membership required). The Crosby is within the desirable Solana Beach Elementary and San Dieguito High School Districts.
Mortgage Calculator
Est. Monthly Payment
$20,886
Location
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Zoned Schools
Elementary
Solana Santa Fe Elementary · grades K-6 · Solana Beach Elementary
Middle
Earl Warren Middle · grades 7-8 · San Dieguito Union High
High
Torrey Pines High · grades 9-12 · San Dieguito Union High
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$9,425
Comp Average
$6,766
15260 Palomino Mesa Rd.
4bd / 3ba · 3,440 sqft · Single Family
$2.20M
Est. $6,491/mo
8628 Herrington Way
4bd / 4.5ba · 3,838 sqft · Single Family
$3.27M
Est. $7,481/mo
8490 Warden Lane
5bd / 4ba · 3,482 sqft · Single Family
$2.75M
Est. $7,355/mo
8745 Tillage Lane
4bd / 4.5ba · 3,058 sqft · Single Family
$2.80M
Est. $6,257/mo
8625 Tillage Lane
4bd / 5ba · 3,039 sqft · Single Family
$2.60M
Est. $6,247/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 4-bed houses within 2 mi · $7,377–$14,379
Blended 50/50 with a property-level estimate
A property-level estimate runs more than 25% below what comparable homes leased for ($10,852). Treat this rent with extra care.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$16,087/mo short at 20% down; 100% down or +$20,892/mo rent closes it.
- Break-even price
- $845,004
- Break-even rent
- $30,317/mo
- Cashflow at 35% down
- −$13,035/mo
- Down payment to break even
- 100%
- Rate to break even
- Not reachable
71% under asking
$20,892/mo above the estimate
$2,950,000 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.
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