1280 Santa Fe Dr

1280 Santa Fe Dr

D

Encinitas, CA 92024

$3,500,000

Beds

5

Baths

5.5

Sqft

4,796

Year Built

2009

Days on Market

9

Property Type

Single Family

HOA/mo

N/A

MLS ID

260003345SD

Description

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

$22,219

Principal & Interest$17,698
Property Tax$3,500
Insurance$1,021
%($700,000)
%

Investment Score

2D
Est. Monthly Rent

Zillow Rent Zestimate

$11,579
Monthly Cashflow
$-16,220

Mortgage (P+I)
$17,698
Cap Rate
0.51%
Cash-on-Cash
-27.81%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.65
Break-even Rent
$26,872

NOI (Annual)
$17,738
Price-to-Rent

Lower = better for investors

25.2

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

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