8625 Tillage Lane

8625 Tillage Lane

Dbottom 20%

4S Ranch, CA 92127Neighborhood: Santa Fe Valley

$2,595,000
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: -$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.

Mortgage Calculator

Est. Monthly Payment

$18,299

Principal & Interest$14,317
Property Tax$2,595
Insurance$757
HOA$630
%($519,000)
%
Loan Term

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.

Investment Score

0D
Est. Monthly Rent
$6,247

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)

Monthly Cashflow

Rent − PITIA

-$12,052
Full Cashflow

Incl. vacancy, PM, maint, capex

-$15,652

What would make this work?

$15,652/mo short at 20% down; +$20,327/mo rent closes it.

Break-even price

79% under asking

$546,923
Break-even rent

$20,327/mo above the estimate

$26,574/mo
Cashflow at 35% down
−$12,967/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)
$14,317
Cap Rate
-0.47%
Cash-on-Cash
-36.19%
DSCR

Need ≥ 1.25 for DSCR loan

0.34

NOI (Annual)
-$12,264
Price-to-Rent

Lower = better for investors

34.6

* 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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DCashflow−$15,652/mo