8270 Torrey Gardens

8270 Torrey Gardens

D

Rancho Peñasquitos, CA 92129

$1,990,000
NEW — 1d on market

Soft Appraisal Value: $1,947,400 · 2.2% above estimate

Beds

5

Baths

3

Sqft

3,066

Year Built

2003

Days on Market

1

Property Type

Single Family

HOA/mo

$76

MLS ID

SR26060036

Description

Discover sophisticated comfort in coveted Torrey Highlands. This elegant, light-filled home features an open floor plan designed for effortless entertaining: a dining room with vaulted ceilings that flows to a side patio, and a chef’s kitchen with a large center island, granite countertops, stainless steel appliances, abundant cabinetry, and barstool seating that opens to the family room so you never miss the conversation. Thoughtfully laid out for multigenerational or flexible living, the main level includes a multipurpose room plus a spacious bedroom and full bath. Upstairs are four generous bedrooms and two full bathrooms, including a master suite with plantation shutters, a large walk-in closet and separate tub and shower. Beautiful wood floors grace the lower level while brand-new Berber carpet provides plush flooring upstairs. Outdoor living shines with no rear neighbor and a private patio complete with built-in BBQ—perfect for alfresco dining and entertaining. Located in the sought-after Torrey Highlands community, the home sits within the highly regarded Poway Unified School District and is just a 5-minute walk to Deer Canyon Elementary, Mesa Verde Middle and Westview High. Nearby parks, shopping, dining and quick freeway access round out the ideal blend of tranquility and convenience.A refined, move-in ready residence offering space, style and location — a Torrey Highlands opportunity not to be missed.

Mortgage Calculator

Est. Monthly Payment

$12,709

Principal & Interest$10,063
Property Tax$1,990
Insurance$580
HOA$76
%($398,000)
%

Investment Score

0D
Est. Monthly Rent
$5,671
Monthly Cashflow

Rent − PITI − HOA

$-7,038
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,000

Mortgage (P+I)
$10,063
Cap Rate
0.04%
Cash-on-Cash
-21.22%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.45
Break-even Rent
$12,709

NOI (Annual)
$748
Price-to-Rent

Lower = better for investors

29.2

* 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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