4860 Rancho Verde Trail, San Diego, California 92130, San Diego, 92130 - 5 bed, 7 bath

4860 Rancho Verde Trail, San Diego, California 92130 home-pic-0

4860 Rancho Verde Trail

San Diego, California 92130

ACTIVE
CONDITION: GOOD
5Beds
7Baths
8,128Sq Ft
39,204Lot Size

Property Price

LIST PRICE$6,749,000
EST. MARKET VALUE
$7,200,335
6% BelowMARKET VALUE

SUMMARY

Analysis of 4860 Rancho Verde Trail, San Diego, California 92130 reveals a Prime Investment Opportunity with a current list price of $6,749,000—significantly undercutting the $7,200,335 Fair Market Value by 6%. This valuation gap indicates a +$451,335 Instant Equity potential for buyers. The property maintains a Good Condition Rating (78/100), reflecting solid structural condition with well-maintained systems. The property presents an attractive opportunity for buyers seeking a move-in ready home. Located in a high-demand neighborhood within the San Diego Unified School District, this asset is categorized as a low-risk, high-reward acquisition suitable for both Buy-and-Hold Investors and Owner-Occupants willing to undertake light renovation work.

Estimated Market Value

$7,200,335 +$451,335 Equity Potential
Based on Realkey algorithm analyzing recent comparable sales in San Diego.

Comparable Sales Map

Comparables within 1 miles sold in recently

Address Sold Price BedsBathsSq Ft$/SqftDistance
4860 Rancho Verde Trail
Subject
$6,749,000*
List Price
578,128$886-
A
4695 Rancho Verde Trl
Sold
$6,350,000567,670$8280.2 mi
B
4945 Rancho Verde Trail
Sold
$6,700,000456,712$9980.1 mi

* Subject property listed price vs sold prices of comps.

Condition Analysis

OVERALL CONDITION SCORE

Good
TeardownExcellent

Property is move-in ready.

Built in 2006, this custom estate is in move-in ready condition and falls within the 10-20 year age bracket for the 'good' category. The property features high-end materials including pecan plank wood floors, travertine, and custom French Traditions cabinetry. While it includes modern functional updates like fully paid solar, a Lutron lighting system, and a new theater projector, the kitchen and bathroom aesthetics remain consistent with its original high-end 2006 construction rather than a recent full-scale modern renovation.

PROSSTRENGTHS & OPPORTUNITIES

  • High Available Lot Utilization

    The property has a large lot size, which is more than 4 times of its living area. lot size in square feet = 39204, living area = 8128.

  • Great Schools

    Middle School: Pacific Trails Middle (10/10). High School: Torrey Pines High School (9/10).

  • Prestigious Guard-Gated Location

    Situated in the exclusive Rancho Pacifica community, this estate offers elite security and a prime West-side location with immediate access to One Paseo, top-rated schools, and coastal amenities.

CONSRISKS & DEFICIENCIES

  • Dated Interior Elements

    While high-quality, the 2006 construction features like travertine flooring and specific cabinetry styles may feel slightly dated to buyers seeking a strictly modern or contemporary aesthetic.

  • High Carrying Costs

    The combination of an $800 monthly association fee and significant property taxes on a $6.7M valuation results in high ongoing ownership expenses.

About 4860 Rancho Verde Trail

This stunning Greg Agee–built custom estate sits on an elevated lot in the guard-gated community of Rancho Pacifica, offering beautiful views, an A+ floor plan, and seamless indoor/outdoor living. The main level features a luxurious primary suite with spa-like bath, en-suite guest room, wood paneled office, climate-controlled wine cellar, home theater, gym/game room, and living/dining rooms with views of the resort-style backyard. The chef’s kitchen and great room open to a covered patio with fireplace, outdoor kitchen, and a gorgeous pool and spa, surrounded by lush landscaping, fruit trees, and a grassy area perfect for kids or pets. Interior highlights include French Traditions custom cabinetry throughout, pecan plank wood and travertine floors, and brand new laser jet theater projector, plus in-home speakers, fully paid solar, and Lutron lighting system. Residents love Rancho Pacifica’s highly sought-after West-side location, offering easy access to shopping or dining at One Paseo, top-rated schools, the beach, and major freeways—all while feeling exceptionally private and tucked away. This is luxury living at its finest in one of North County’s most prestigious communities.

Property Details

Public Facts

Property Type
Single Family Residence
Year Built
2006
Lot Size
39,204 Sq. Ft.

Interior

Total Bedrooms
5
Total Bathrooms
7 (7 Full, 0 Half)

Exterior & Parking

No exterior & parking available.

Utilities & Misc

HOA Fee
$800.0 / Month

Neighborhood Insights

San Diego Unified Schools

Solana Highlands Elementary School

Grades K-3 • 1.8 mi

/10

Solana Santa Fe Elementary School

Grades K-6 • 2.3 mi

8/10

Pacific Trails Middle

Grades 7-8 • 1.9 mi

10/10

Sensitive Facilities

No sensitive facilities data found.

Neighborhood Comparison

FeatureSubjectAverage HomeNeighborhood Ranking (50 Listings)
Beds5.04.0
56%
Baths7.04.0
95%
Square foot8,1283,143.5
98%
Lot Size39,2046,199
93%
Price$6.75M$2.40M
99%
Price per sq ft$830$810
56%
Built year20062001
69%
HOA$800.0$139
94%
Days on market8167
8%

Pricing History

Listed for Sale

Feb 27, 2026

$6,749,000

Initial Listing

Sold

Aug 18, 2014

$4,175,000

Public Record

Sold

Jun 20, 2007

$4,650,000

Public Record

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