8625 Tillage Lane
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: -$15,652/mo full cashflow at 20% down, 7.36% rate.
Works at $546,923 (79% under asking); even all cash loses money at asking.
Rent $6,247/mo from 22 leases of 3–5 bed houses within 2 mi ($6,188–$7,757).
Beds
4
Baths
5
Sqft
3,039
Year Built
2014
Days on Market
—
Property Type
Single Family
HOA/mo
$630
MLS ID
NDP2610092
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
Experience elevated living in this beautiful home within the prestigious guard-gated community of The Lakes Above Rancho Santa Fe. This single-story Van Daele Residence 1 offers 4 bedrooms, 4.5 bathrooms, and 3,039 square feet of living space. The entry opens to a private courtyard and a thoughtfully designed floor plan featuring high ceilings and abundant natural light. The kitchen features wood cabinetry, granite countertops, a large center island, walk-in pantry, and breakfast nook, opening to the great room with a fireplace and plenty of space for everyday living. Just off the kitchen, a separate nook/utility room offers additional storage and convenience. A separate formal dining room and dedicated office provide additional space for entertaining, working, or relaxing. The spacious primary suite features a walk-in closet with built-in storage, dual sinks, soaking tub, and separate shower. Three additional bedrooms each feature en-suite bathrooms, with two offering walk-in closets, providing comfortable accommodations for family and guests. A half bath and laundry room with additional storage complete the interior. Outside, enjoy the California room and easy-to-maintain backyard with updated landscaping. The spacious outdoor area offers plenty of room for relaxation and entertainment. The attached two-car garage also includes tandem parking for a third vehicle. Residents of The Lakes Above Rancho Santa Fe enjoy an unparalleled lifestyle with proximity to the charming Village of Rancho Santa Fe, premier shopping, dining, and convenient access to I-15 and SR-56. The home is located within the award-winning Poway Unified School District, serving highly acclaimed schools including Del Sur Elementary and Del Norte High School. At the center of the community, The Crosby Club at Rancho Santa Fe offers optional membership opportunities, providing access to world-class golf, exceptional dining, tennis, pickleball, a state-of-the-art fitness center, and an active social calendar—completing the luxury lifestyle that makes The Lakes one of North County's most sought-after communities.
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Est. Monthly Payment
$18,299
Location
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Zoned Schools
Elementary
Del Sur Elementary · grades K-5 · Poway Unified
Middle
Oak Valley 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.
Comparable Properties
5 comps foundThis Property
$6,247
Comp Average
$6,990
15859 Atkins Place
4bd / 3ba · 2,944 sqft · Single Family
$2.00M
Est. $8,277/mo
7714 Concerto
4bd / 3.5ba · 3,038 sqft · Single Family
$2.29M
Est. $8,073/mo
15260 Palomino Mesa Rd.
4bd / 3ba · 3,440 sqft · Single Family
$2.20M
Est. $6,491/mo
17052 Silver Pine
4bd / 3.5ba · 2,968 sqft · Single Family
$2.08M
Est. $5,851/mo
8745 Tillage Lane
4bd / 4.5ba · 3,058 sqft · Single Family
$2.80M
Est. $6,257/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
22 leases of 3–5 bed houses within 2 mi · $6,188–$7,757
Blended 50/50 with the zip's market median ($5,836)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$15,652/mo short at 20% down; +$20,327/mo rent closes it.
- Break-even price
- $546,923
- Break-even rent
- $26,574/mo
- Cashflow at 35% down
- −$12,967/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
79% under asking
$20,327/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, 7.36% 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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