8235 Caminito Santaluz Norte
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8235 Caminito Santaluz Norte

Dbottom 20%

4S Ranch, CA 92127Neighborhood: Santaluz

$3,999,000
STR: check · no permits on this tract · TOT 11.75%

1 licensed short-term rental within ½ mile (0 whole home), from the cities' license and permit lists of Nov 11, 2026.

None of the 79 homes on this home's recorded tract holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$24,922/mo full cashflow at 20% down, 7.43% rate.

Works at $754,095 (81% under asking); even all cash loses money at asking.

Rent $8,366/mo from 11 leases of 4-bed houses within 2 mi ($8,126–$10,757).

Beds

4

Baths

4.5

Sqft

5,008

Year Built

2003

Days on Market

200

Property Type

Single Family

HOA/mo

$650

MLS ID

260009745SD

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

Virtual Tour

About This Property

Welcome to the prestigious gated community of Santaluz, where tranquility, security, and natural beauty define everyday living. Ideally situated on the east side of the guarded gates, this stunning single-level estate is just a short walk to the Club, offering effortless access to world-class amenities. Set on more than two acres of meticulously manicured grounds, the property offers an extraordinary sense of privacy and serenity. Enjoy sweeping southwest views from the resort-style backyard. Featuring a luxurious stone pool and spa with Baja shelf, cascading waterfall, and an elevated lounge area perfect for sunset gatherings. The outdoor spaces are designed for year-round enjoyment with a wraparound covered patio, two private enclosed courtyards, elegant landscape lighting, a charming rose garden, and an outdoor kitchen ideal for entertaining. A vine-covered entry welcomes you into a light-filled interior defined by soaring ceilings and expansive windows that frame the spectacular backyard views. The pool and panoramic scenery serve as the focal point of the home, visible from the formal living and dining rooms, kitchen, family room, and private primary wing. The spacious chef’s kitchen flows seamlessly into the inviting family room, highlighted by Saltillo tile flooring, vaulted ceilings, and a cozy fireplace entertainment area. Thoughtfully designed with family living in mind, the home features multiple private wings. Two generously sized bedrooms with en-suite baths share a flexible living space perfect for children or teens. (See supplement for more.) Separated by a tranquil courtyard and dedicated office area. The office and additional bonus room could be optional bedrooms. The primary suite occupies its own wing and offers a private sitting area, 2 walk-in closet, views and access to the pool, and a private courtyard. On the opposite side of the home, a guest bedroom with its own en-suite bath provides comfort and privacy for visitors. Additional highlights include a newly installed zoned HVAC system, rich hardwood flooring, a dramatic slate tile entry, elegant coffered ceilings, 3 fireplaces, a large 4 car garage, 2 car side spaces, plus room for 6 more cars in the driveway, and more! All of this is just moments from the Hacienda Club at Santaluz, where residents enjoy access to the club, fitness center, pool, café, and miles of scenic hiking trails.

Mortgage Calculator

Est. Monthly Payment

$28,032

Principal & Interest$22,216
Property Tax$3,999
Insurance$1,166
HOA$650
%($799,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Willow Grove Elementary · grades K-5 · Poway Unified

  • Middle

    Black Mountain Middle · grades 6-8 · Poway Unified

  • High

    Del Norte High · grades 9-12 · Poway Unified

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

0D
Est. Monthly Rent
$8,366

11 leases of 4-bed houses within 2 mi · $8,126–$10,757

Monthly Cashflow

Rent − PITIA

-$19,665
Full Cashflow

Incl. vacancy, PM, maint, capex

-$24,922

What would make this work?

$24,922/mo short at 20% down; +$32,366/mo rent closes it.

Break-even price

81% under asking

$754,095
Break-even rent

$32,366/mo above the estimate

$40,732/mo
Cashflow at 35% down
−$20,756/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$22,216
Cap Rate
-0.69%
Cash-on-Cash
-37.39%
DSCR

Need ≥ 1.25 for DSCR loan

0.30

NOI (Annual)
-$27,449
Price-to-Rent

Lower = better for investors

39.8

* 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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DCashflow−$24,922/mo