8285 Top O The Morning Way
Dbottom 20%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: -$26,169/mo full cashflow at 20% down, 7.49% rate.
Works at $1,077,278 (76% under asking); even all cash loses money at asking.
Rent $11,830/mo from 14 leases of 4–6 bed houses within 2 mi ($9,535–$16,585).
Beds
5
Baths
6
Sqft
5,020
Year Built
2005
Days on Market
0
Property Type
Single Family
HOA/mo
$800
MLS ID
PTP2608134
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
Perched atop a hill in The Crosby with panoramic golf course views, this five-bedroom, six-bathroom home sits on a .37-acre lot and offers an exceptional setting for relaxing and entertaining. The thoughtfully designed layout features a main-level primary suite, office, and laundry room. Upstairs, two spacious bedrooms, each with its own bathroom, are complemented by an additional living room, providing a comfortable space to gather or unwind. Relax in the beautiful enclosed patio while enjoying the soothing sounds of the waterfall, or step into the spacious backyard featuring a pool, spa, and built-in BBQ. From lively gatherings to quiet evenings overlooking the second fairway of the Crosby National Golf Course. A detached, private guest casita with full bath ideal for visiting guests or extended stays. Additional features include solar and four A/C condensers. Experience The Crosby lifestyle with optional club membership levels offering access to an award-winning 18-hole golf course, a sports center with a pool, tennis and pickleball courts, and casual and fine dining options. Located within the highly regarded Solana Beach Elementary and San Dieguito Union High School Districts, this hilltop home brings together sweeping views, versatile living spaces, and resort-style amenities.
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Est. Monthly Payment
$31,553
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
$11,830
Comp Average
$10,470
15566 Rising River Pl
5bd / 4ba · 5,129 sqft · Single Family
$3.49M
Est. $10,184/mo
16907 Going My Way
5bd / 5.5ba · 5,458 sqft · Single Family
$4.25M
Est. $12,332/mo
8245 The Landing Way
5bd / 4.5ba · 5,491 sqft · Single Family
$3.90M
Est. $11,454/mo
17253 Reflections Circle
5bd / 6ba · 4,960 sqft · Single Family
$3.85M
Est. $10,015/mo
8235 Caminito Santaluz Norte
4bd / 4.5ba · 5,008 sqft · Single Family
$4.00M
Est. $8,366/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
14 leases of 4–6 bed houses within 2 mi · $9,535–$16,585
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$26,169/mo short at 20% down; +$33,986/mo rent closes it.
- Break-even price
- $1,077,278
- Break-even rent
- $45,816/mo
- Cashflow at 35% down
- −$21,486/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
76% under asking
$33,986/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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