1783 Cottonwood Dr
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1783 Cottonwood Dr

D

Vista, CA 92081

$975,000

Soft Appraisal Value: $957,800 · 1.8% above estimate

Beds

3

Baths

2.5

Sqft

1,526

Year Built

2002

Days on Market

45

Property Type

Single Family

HOA/mo

$420

MLS ID

260008697SD

This property is in Vista (92081). View neighborhood stats →

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About This Property

A touch of aloha in the heart of Vista, 92081! Welcome to 1783 Cottonwood Drive, where laid-back island vibes meet everyday comfort in the gated community of Moncado Springs. Pride of ownership is evident in this 3-bedroom, 2.5-bath home situated on an elevated lot, offering added privacy, great lighting, and a cool breeze throughout. Vaulted ceilings and natural light fill the interior, while the open-concept layout creates an easy flow between the kitchen, dining, and living spaces. Out back, escape to your own tropical-inspired oasis with lush landscaping and a private hot tub—perfect for relaxing, entertaining, or simply enjoying the Southern California sunshine. With central HVAC, A/C, and a whole house fan, comfort and efficiency are built in. Enjoy access to community amenities including a pool, spa, walking trail, greenbelts, playground, and clubhouse, all within a friendly, welcoming neighborhood. Just minutes from Downtown Vista, shopping, Costco, dining, and major highways, this home offers the ideal blend of convenience and lifestyle. A touch of aloha in the heart of Vista! Welcome to 1783 Cottonwood Drive, where laid-back island vibes meet everyday comfort in the gated community of Moncado Springs. Pride of ownership is evident in this 3-bedroom, 2.5-bath home situated on an elevated lot, offering added privacy, great lighting, and a cool breeze throughout. Vaulted ceilings and natural light fill the interior, while the open-concept layout creates an easy flow between the kitchen, dining, and living spaces. Out back, escape to your own tropical-inspired oasis with lush landscaping and a private hot tub—perfect for relaxing, entertaining, or simply enjoying the Southern California sunshine. With central HVAC, A/C, and a whole house fan, comfort and efficiency are built in. Enjoy access to community amenities including a pool, spa, walking trail, greenbelts, playground, and clubhouse, all within a friendly, welcoming neighborhood. Just minutes from the beach, Downtown Vista, Costco, shopping, dining, and major highways, this home offers the ideal blend of convenience and lifestyle.

Mortgage Calculator

Est. Monthly Payment

$6,610

Principal & Interest$4,930
Property Tax$975
Insurance$284
HOA$420
%($195,000)
%

Location

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Investment Score

11D
Est. Monthly Rent
$3,815
Monthly Cashflow

Rent − PITIA

$-2,794
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,484

Mortgage (P+I)
$4,930
Cap Rate
0.55%
Cash-on-Cash
-27.59%
DSCR

Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$9,638

NOI (Annual)
$5,353
Price-to-Rent

Lower = better for investors

21.3

* 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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