
1485 Via Ladera
Ctop 80%Fallbrook, CA 92028
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
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.
Comparable Properties
5 comps foundThis Property
$4,982
Comp Average
$4,900

6750 Rainbow Heights Road
4bd / 2ba · 3,168 sqft · Single Family
$1.10M
Est. $4,968/mo
1841 Tecalote Drive
4bd / 3ba · 3,312 sqft · Single Family
$1.24M
Est. $5,048/mo
2890 Vista Del Rio
4bd / 3ba · 2,949 sqft · Single Family
$1.20M
Est. $4,882/mo
3144 Alta Verde Dr.
4bd / 4.5ba · 3,022 sqft · Single Family
$1.26M
Est. $4,911/mo
1691 Tecalote Drive
4bd / 2.5ba · 3,203 sqft · Single Family
$1.55M
Est. $4,693/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
4 leases of 4-bed houses in 92028 · $4,467–$5,484
Blended 50/50 with the zip's market median ($5,102)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,359/mo short at 20% down; 85% down or +$6,960/mo rent closes it.
- Break-even price
- $498,757
- Break-even rent
- $11,942/mo
- Cashflow at 35% down
- −$4,118/mo
- Down payment to break even
- 85%
- Rate to break even
- Not reachable
58% under asking
$6,960/mo above the estimate
$1,019,974 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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