1485 Via Ladera

1485 Via Ladera

Ctop 80%

Fallbrook, CA 92028

$1,199,969
STR: check · HOA rules unknown · TOT 8%

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: -$5,359/mo full cashflow at 20% down, 7.36% rate.

Works at $498,757 (58% under asking), or at 85% down.

Rent $4,982/mo from 4 leases of 4-bed houses in 92028 ($4,467–$5,484).

Beds

4

Baths

3

Sqft

3,206

Year Built

1977

Days on Market

169

Property Type

Single Family

HOA/mo

$25

MLS ID

SW26112176

This property is in Fallbrook (92028). Browse neighborhood analytics →

About This Property

**SELLER FINANCING AVAILABLE** Home offers amazing multi-gen living opportunity. Perched in a secure, gated Fallbrook community, 1485 Via Ladera offers a rare blend of multi-generational luxury and self-sufficient living. The location of this home while in the heart of Fallbrook sits in an area where you can enjoy slightly cooler temps. The heart of the home boasts a gorgeous chef's kitchen equipped with stainless steel appliances, a gas stove, and a cozy working fireplace. Perfect for extended family or rental income, the lower level features a complete mother-in-law suite with its own private entrance. Enjoy ultimate peace of mind and energy independence with a fully owned solar system, a reliable Generac 4000 backup generator, a newer 3-year-old HVAC system and a Tesla Charging System. Outside, a grand circular driveway leads to a private paradise designed for relaxation and future growth. Take in unforgettable sunset views from your western-facing front terrace, unwind in the large hot tub on the securely fenced back patio, or head down to the lower terrace to enjoy the classic tree swing. Additionally, two prepped upper pads stand ready for your future ADUs or detached workshops. Experience true private luxury with no restrictive HOA--only a minimal $250 annual road committee fee.

Mortgage Calculator

Est. Monthly Payment

$8,195

Principal & Interest$6,620
Property Tax$1,200
Insurance$350
HOA$25
%($239,994)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Vallecitos Elementary · grades K-8 · Vallecitos Elementary

  • Middle

    Vallecitos Elementary · grades K-8 · Vallecitos Elementary

  • High

    Fallbrook High · grades 9-12 · Fallbrook Union High

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

15C
Est. Monthly Rent
$4,982

4 leases of 4-bed houses in 92028 · $4,467–$5,484

Blended 50/50 with the zip's market median ($5,102)

Monthly Cashflow

Rent − PITIA

-$3,213
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,359

What would make this work?

$5,359/mo short at 20% down; 85% down or +$6,960/mo rent closes it.

Break-even price

58% under asking

$498,757
Break-even rent

$6,960/mo above the estimate

$11,942/mo
Cashflow at 35% down
−$4,118/mo
Down payment to break even

$1,019,974 cash

85%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,620
Cap Rate
1.51%
Cash-on-Cash
-26.80%
DSCR

Need ≥ 1.25 for DSCR loan

0.61

NOI (Annual)
$18,124
Price-to-Rent

Lower = better for investors

20.1

* 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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CCashflow−$5,359/mo