
1320 Palomar Place
Atop 10%Vista, CA 92084
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: -$2,006/mo full cashflow at 20% down, 7.36% rate.
Works at $302,562 (46% under asking), or at 72% down.
Rent $3,600/mo from 11 leases of 2–4 bed condos & townhomes within 2 mi ($3,484–$3,921).
Beds
3
Baths
2
Sqft
1,396
Year Built
1989
Days on Market
47
Property Type
Condo
HOA/mo
$460
MLS ID
NDP2608991
This property is in Vista (92084). Browse neighborhood analytics →
About This Property
Welcome to 1320 Palomar Place, where style, comfort, and an exceptional North County lifestyle come together. This beautifully refreshed 3-bedroom, 2-bath residence offers approximately 1,396 square feet of thoughtfully designed living space with an inviting floor plan ideal for both everyday living and entertaining. At the heart of the home is a beautifully remodeled kitchen featuring elegant quartz countertops and a fresh, contemporary aesthetic. All appliances are included, making this home truly move-in ready. New carpet and attractive laminate flooring complement the interiors, creating a warm and sophisticated atmosphere throughout. Step outside to your own quiet backyard retreat, an intimate and peaceful setting perfect for morning coffee, al fresco dining, gardening, or simply unwinding at the end of the day. A detached two-car garage provides convenient parking along with valuable additional storage. Residents enjoy desirable community amenities, including a sparkling pool, relaxing spa, and beautifully maintained common grounds. Ideally situated near shopping, dining, parks, entertainment, and major commuter routes, the home also offers convenient access to Carlsbad, Oceanside, North County beaches, and an array of coastal recreation. 1320 Palomar Place offers an exceptional opportunity to enjoy the best of Southern California living.
Mortgage Calculator
Est. Monthly Payment
$4,307
Location
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Zoned Schools
Elementary
Monte Vista Elementary · grades K-5 · Vista Unified
Middle
Roosevelt Middle · grades 6-8 · Vista Unified
High
Vista High · grades 9-12 · Vista Unified
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
4 comps foundThis Property
$3,600
Comp Average
$3,685
1309 Isabella Way
3bd / 3ba · 1,356 sqft · Condo
$600K
Est. $3,574/mo

918 Marlin
3bd / 2ba · 1,322 sqft · Townhouse
$620K
Est. $3,672/mo

1144 Delpy View
3bd / 2.5ba · 1,472 sqft · Condo
$675K
Est. $3,875/mo
1862 Morning View Drive
3bd / 2.5ba · 1,458 sqft · Condo
$750K
Est. $3,619/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
11 leases of 2–4 bed condos & townhomes within 2 mi · $3,484–$3,921
Blended 50/50 with the zip's market median ($3,581)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,006/mo short at 20% down; 72% down or +$2,605/mo rent closes it.
- Break-even price
- $302,562
- Break-even rent
- $6,205/mo
- Cashflow at 35% down
- −$1,422/mo
- Down payment to break even
- 72%
- Rate to break even
- Not reachable
46% under asking
$2,605/mo above the estimate
$406,800 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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