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$5,500,000

Sold
14958 Encendido, San Diego, CA 92127
5 Beds
6 Baths
5,653 Square Feet
0.00 Acres Lot
Built in 2014
Sold
Units n/a
Checked: 6 days ago
Updated: Sep 16, 2025 at 10:05AM

Investment Summary


Potential Missing Expenses

We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.

Monthly Cash Flow
-$20,606
Cap Rate
1.2%
Cash-on-Cash Return
-19.5%
Debt Coverage Ratio
0.21
Internal Rate of Return (5 years)
-14.9%

Property Description


0.00 Acres Lot
Built in 2014
Sold
Units n/a

Nestled within the exclusive, guard-gated Santaluz community, this Tuscan Farmhouse redefines luxury living. Built in 2014 with craftsmanship and the highest quality materials, this impressive single-level estate seamlessly blends old-world charm with modern elegance and smart home technology. Designed for both everyday relaxation and grand entertaining, the residence features a beautiful great room, an additional family/flex room, a gourmet chef's kitchen, an in-home office, a casita, three guest suites, and a five-star primary retreat. The beauty of this estate extends beyond its exquisite aesthetics; it was meticulously constructed to exceed the highest earthquake and structural standards, stone retaining walls, a structural steel I-beam (spanning the formal great room), conventional framing, and a stone exterior. The beautifully designed, resort-inspired saltwater swimming pool and spa are perfect for enjoyment and entertaining. The pool area includes an oversized 18” deep sun shelf with two in-pool umbrella stands for shade, and a 60-foot lap and play pool with an infinity edge overlooking the protected rimmed canyon. The entire pool system is operated by top-rated equipment and smart-controlled functionality. Completing the outdoor oasis is an outdoor kitchen with a BBQ, warming drawer, and mini-fridge. Living in Santaluz offers an unparalleled lifestyle. This upscale, 24/7 guard gated community provides residents with a wealth of world-class amenities and a strong sense of community. Smart Home Technology & Systems Integrated Crestron System: Effortlessly control audio, video, and security systems throughout the entire home and outdoor spaces using wireless smart devices or in-wall master control panels in the kitchen and master retreat. Whole Home Security: Features a comprehensive security system Lutron (Vantage) Lighting System: Customize lighting moods and scenes throughout the property with "one-touch" control or manage each room independently. HVAC System: Integrated with Nest and a whole-home electronic HVAC ventilation system, featuring three separate furnaces/condensers. Control the entire system or individual rooms with a smart device or in-wall units for optimized comfort and energy efficiency. Plumbing System: Three independent tankless water heating systems with pumps for hot water. The home features a full home water filtration system, while a secondary kitchen system provides purified drinking water and instant hot water. The Chef's Kitchen is a true culinary dream, perfect for daily living and entertaining: Wolf 60” range with double ovens, 6 burners, and a large griddle, warming drawer, steam oven, and microwave. Sub-Zero dual 48” refrigerator and freezer, under-counter wine fridge. Two Bosch dishwashers. Thermador Latte/Coffee/Espresso bar. Massive prep and eat-in island with granite slab countertops and double DuPont edges, custom cabinetry, large butler's pantry with an oversized walk-in pantry, wired for a second fridge/freezer. Luxurious Finishes & Features: Flooring: Marbol stone floors throughout the great room, kitchen, formal great room, and main hallways. Hardwood floors in the master retreat, master bonus/office/nursery, and executive office. Carpet with dual pad in all secondary bedrooms and the casita. Tumbled travertine on all floors and walls in baths. Stone Wall Finishes: Volcanic Venetian Stone from Cappadocia, Turkey, used throughout, including a hand-chiseled Venetian Stone fireplace mantel in the formal great room. Tuscan brick accents throughout the home. All exterior elevations and walls clad in Eldorado Stone, Tuscan Brick, and forged Capstone. Master Bath: Appointed like a five-star resort spa, featuring his-and-her toilets (plus bidet for her), 2 walk-in closets, dual sinks with vanity, a 72x42 air-jet relaxation tub, and a huge walk-in steam/jetted/rain shower. Resort-Style Outdoor Living: The beautifully designed, resort-inspired saltwater swimming pool and spa are perfect for enjoyment and entertaining. The pool area includes an oversized 18” deep sun shelf with two in-pool umbrella stands for shade, and a 60-foot lap and play pool with an infinity edge pool. Fiber optic lighting system allows independent control of colors and moods, enhancing nighttime swims and evening entertainment. Completing the outdoor oasis is an outdoor kitchen with a BBQ, warming drawer, and mini-fridge. There are 3 levels of Club membership which can be purchased at Santaluz: Golf: Home to a private 250-acre, 18-hole championship golf course designed by Rees Jones, with breathtaking vistas and panoramic ocean views. The Santaluz Club and Spa: A magnificent 35,000-square-foot facility offering world-class dining, a full-service spa with massage treatments, skincare, and wellness programs, and an award-winning golf shop. The Hacienda: A 19,000-square-foot community center with a recently upgraded Bistro, poolside grill, resort-style swimming pool, six lighted tennis courts with stadium seating, a state-of-the-art fitness facility with an outdoor courtyard, an an indoor basketball court.

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Location


Property Details


Parking

  • Description: Driveway
  • Details: Attached, Garage
  • Garage Spaces: 3
  • Spaces Total: 18

Bedroom Information

  • # of Bedrooms: 5

Bathroom Information

  • # of Baths (Full): 5
  • # of Baths (Partial): 1
  • # of Baths (Total): 6.0

Interior Features

  • # of Stories: 1
  • Fireplace: Yes

Exterior Features

  • Pool: Yes

HOA

  • Has HOA: Yes
  • Association: Santaluz
  • HOA Fee: $650/monthly

Land Information

  • Land Use: Residential
  • Land Use Subtype: Single Family Residential

Lot Information

  • Parcel ID: 2692803900
  • Lot Size: 0 sqft

Property Information

  • Property Type: Single Family Residence
  • Style: Mediterranean/Spanish
  • Year Built: 2014

Tax Information

  • Annual Tax: $0

Utilities

  • Heating: Fireplace(s), Forced Air, Electric
  • Cooling: Central Air

Location

  • County: San Diego

Listing Details


Listed by:
Gloria Silveyra-Shepard
Compass - MLO Office
(619) 417-5564

Source:
San Diego MLS
MLS#: 250033963
San Diego MLS

Investment Summary


Potential Missing Expenses

We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.

Monthly Cash Flow
-$20,606
Cap Rate
1.2%
Cash-on-Cash Return
-19.5%
Debt Coverage Ratio
0.21
Internal Rate of Return (5 years)
-14.9%

Purchase Details

Find an Agent

Purchase price:
$5,500,000
Amount financed:
-$4,400,000
Down payment:
$1,100,000
Closing costs:
$165,000
Rehab costs:
$0
Initial cash invested:
$1,265,000
Square feet:
5,653
Cost per square foot:
$973
Monthly rent per square foot:
$1.56

Financing Details

Find a Lender

Loan amount:
$4,400,000
Loan to value ratio:
80.0%
Loan type:
Amortizing
Term:
30 years
Interest rate:
5.875%
Principal & interest:
$26,028
Property tax:
$0
Insurance:
$616
Private mortgage insurance (PMI):
$0
Monthly payment:
$26,644

Operating Income

Find a Property Manager

% Rent Monthly Yearly
Gross rent:
$8,800 $105,600
Vacancy loss: (6%)
6% -$528 -$6,336
Operating income:
$8,272 $99,264

Operating Expenses


% Rent Monthly Yearly
Property taxes: (n/a)
n/an/an/a
Insurance: (7%)
7%-$616-$7,392
Property management: (8%)
8%-$704-$8,448
Repairs & maintenance: (5%)
5%-$440-$5,280
Capital expenditures: (5%)
5%-$440-$5,280
HOA fees: (7%)
7%-$650-$7,800
Total operating expenses: (32%)
32%-$2,850-$34,200

Cash Flow


Monthly Yearly
Net operating income:
$5,422 $65,064
Mortgage payments:
-$26,028 -$312,336
Cash flow:
-$20,606 -$247,272