8285 Top O The Morning Way

8285 Top O The Morning Way

Dbottom 20%

4S Ranch, CA 92127Neighborhood: Santa Fe Valley

$4,470,000
NEW — 0d
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: -$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 →

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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.

Mortgage Calculator

Est. Monthly Payment

$31,553

Principal & Interest$24,979
Property Tax$4,470
Insurance$1,304
HOA$800
%($894,000)
%
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

0D
Est. Monthly Rent
$11,830

14 leases of 4–6 bed houses within 2 mi · $9,535–$16,585

Monthly Cashflow

Rent − PITIA

-$19,723
Full Cashflow

Incl. vacancy, PM, maint, capex

-$26,169

What would make this work?

$26,169/mo short at 20% down; +$33,986/mo rent closes it.

Break-even price

76% under asking

$1,077,278
Break-even rent

$33,986/mo above the estimate

$45,816/mo
Cashflow at 35% down
−$21,486/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)
$24,979
Cap Rate
-0.16%
Cash-on-Cash
-35.13%
DSCR

Need ≥ 1.25 for DSCR loan

0.37

NOI (Annual)
-$7,181
Price-to-Rent

Lower = better for investors

31.5

* 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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DCashflow−$26,169/mo