1280 Santa Fe Dr
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1280 Santa Fe Dr

D

Encinitas, CA 92024

$3,499,900

Soft Appraisal Value: $3,326,000 · 5.2% above estimate

Beds

5

Baths

5.5

Sqft

4,796

Year Built

2009

Days on Market

99

Property Type

Single Family

HOA/mo

N/A

MLS ID

260003345SD

This property is in Encinitas (92024). View neighborhood stats →

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About This Property

Panoramic Ocean Views. Total Privacy. Something Different. There’s a reason homes like this rarely trade hands. Tucked away in one of Encinitas’ most desirable coastal pockets, this estate quietly delivers what most buyers spend years searching for and almost never find. Ocean views that actually feel big. Spaces that live larger than expected. Separation where you want it. Connection where it matters. Main house. Detached suite. Separate creative spaces. Sunset rooftop moments. Courtyard mornings. Indoor/outdoor flow that feels intentional instead of forced. It’s not just the ocean and mountain views. It’s not just the layout. It’s how the entire property lives. If you’ve been waiting for something that doesn’t feel like everything else on the market, this is it.

Mortgage Calculator

Est. Monthly Payment

$22,218

Principal & Interest$17,697
Property Tax$3,500
Insurance$1,021
%($699,980)
%

Location

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Investment Score

5D
Est. Monthly Rent
$11,579
Monthly Cashflow

Rent − PITIA

$-10,639
Full Cashflow

Incl. vacancy, PM, maint, capex

$-16,219

Mortgage (P+I)
$17,697
Cap Rate
0.51%
Cash-on-Cash
-27.80%
DSCR

Need ≥ 1.25 for DSCR loan

0.52
Break-even Rent
$32,643

NOI (Annual)
$17,740
Price-to-Rent

Lower = better for investors

25.2

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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