7947 High Time Ridge
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7947 High Time Ridge

Ctop 80%

4S Ranch, CA 92127Neighborhood: Santa Fe Valley

$2,950,000
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: -$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 →

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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

Principal & Interest$16,276
Property Tax$2,950
Insurance$860
HOA$800
%($590,000)
%
Loan Term

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.

Investment Score

3C
Est. Monthly Rent
$9,425

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.

Monthly Cashflow

Rent − PITIA

-$11,461
Full Cashflow

Incl. vacancy, PM, maint, capex

-$16,087

What would make this work?

$16,087/mo short at 20% down; 100% down or +$20,892/mo rent closes it.

Break-even price

71% under asking

$845,004
Break-even rent

$20,892/mo above the estimate

$30,317/mo
Cashflow at 35% down
−$13,035/mo
Down payment to break even

$2,950,000 cash

100%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$16,276
Cap Rate
0.27%
Cash-on-Cash
-32.72%
DSCR

Need ≥ 1.25 for DSCR loan

0.45

NOI (Annual)
$7,922
Price-to-Rent

Lower = better for investors

26.1

* 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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CCashflow−$16,087/mo