2099 Golden Circle
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2099 Golden Circle

Btop 30%

Escondido, CA 92026

$565,000
NEW — 0d
STR limited · Escondido pilot, owners only · TOT 10%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$2,617/mo full cashflow at 20% down, 7.43% rate.

Works at $224,349 (60% under asking), or at 87% down.

Rent $2,958/mo from 9 leases of 1–3 bed condos & townhomes within 2 mi ($2,744–$3,056).

Beds

2

Baths

2

Sqft

1,080

Year Built

1977

Days on Market

0

Property Type

Condo

HOA/mo

$555

MLS ID

260026443SD

This property is in Escondido (92026). Browse neighborhood analytics →

About This Property

Vaulted ceilings, abundant natural light, and private green side yards create a comfortable indoor-outdoor atmosphere in this thoughtfully updated North Escondido residence in the Country Club Community. Recent improvements extend beyond cosmetic finishes, including paid-off solar, updated plumbing, new HVAC ducting, attic insulation, water filtration systems, and quartz surfaces throughout. Located near neighborhood parks, local cafés, shopping, and Downtown Escondido's dining and cultural attractions, the property offers a compelling blend of convenience, efficiency, and low-maintenance living. Experience the property in person. Positioned within North Escondido's Country Club Community, this move-in ready two-bedroom, two-bath residence offers an exceptional opportunity for buyers seeking low-maintenance living, meaningful system upgrades, and convenient access to the lifestyle amenities that define North County San Diego. Spanning approximately 1,080 square feet and complemented by a private two-car garage, the home combines efficient use of space with thoughtful improvements that support everyday comfort and long-term ownership value. Vaulted ceilings establish a sense of openness throughout the main living areas, while natural light enhances the home's welcoming interior. Green side yards create separation from neighboring properties and contribute a surprising level of privacy, offering outdoor space for gardening, relaxing, or simply enjoying Escondido's year-round sunshine. The floor plan flows comfortably between living, dining, and kitchen areas, creating spaces that feel connected without sacrificing functionality. Recent upgrades extend well beyond visible finishes. The kitchen and bathrooms have been updated with matching quartz countertops, new sinks, brushed nickel fixtures, and a stainless steel single-basin undermount kitchen sink. A high-powered garbage disposal adds convenience, while a comprehensive plumbing replacement completed in 2022 delivers added peace of mind through a 20-year warranty from installation. The property's commitment to efficiency continues with a fully paid solar system in NEM 1.0 consisting of 12 panels and a 3.48-kilowatt array, helping reduce ongoing utility expenses. Additional infrastructure improvements include a new gas water heater installed in 2025, all-new HVAC ductwork, air sealing measures, upgraded attic insulation, HVAC surge protection, and a UV treatment component designed to support indoor air quality. The attic was professionally cleared and mitigated prior to insulation installation, reflecting the comprehensive nature of the home's maintenance history. Water quality receives equal attention through a RainSoft whole-house water softening and reverse osmosis system connected at the meter, allowing softened water throughout the residence. A dedicated filtered drinking-water station at the kitchen sink provides an additional layer of convenience. The attached two-car garage has been enhanced with an epoxy flake floor finish along with a new garage door motor, belt system, sensors, controls, and remotes. Additional exterior improvements include a new front patio gate and a custom enclosure around the HVAC condenser. Beyond the home itself, the location supports an appealing North County lifestyle. Nearby amenities include Carol Lee Park, the community pool, Blue Mug Coffee, and Cenote Grill. Dixon Lake and Daley Ranch provide opportunities for hiking, fishing, mountain biking, and outdoor recreation, while the Highland Valley wine region offers local tasting experiences just a short drive away. Downtown Escondido and Grand Avenue are minutes from the property and feature destinations including Mesa Agrícola, Bellamy's, Vintana Wine + Dine, Craft & Taco Lounge, The Brigantine, Four Tunas Fish & Bar, and the California Center for the Arts. Seasonal events such as Cruisin' Grand contribute to the area's vibrant atmosphere. Residents also enjoy convenient access to Westf...

Mortgage Calculator

Est. Monthly Payment

$4,424

Principal & Interest$3,139
Property Tax$565
Insurance$165
HOA$555
%($113,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Reidy Creek Elementary · grades K-5 · Escondido Union

  • Middle

    Rincon Middle · grades 6-8 · Escondido Union

  • High

    Escondido High · grades 9-12 · Escondido 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

38B
Est. Monthly Rent
$2,958

9 leases of 1–3 bed condos & townhomes within 2 mi · $2,744–$3,056

Blended 50/50 with the zip's market median ($3,077)

Monthly Cashflow

Rent − PITIA

-$1,466
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,617

What would make this work?

$2,617/mo short at 20% down; 87% down or +$3,399/mo rent closes it.

Break-even price

60% under asking

$224,349
Break-even rent

$3,399/mo above the estimate

$6,357/mo
Cashflow at 35% down
−$2,028/mo
Down payment to break even

$491,550 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,139
Cap Rate
1.42%
Cash-on-Cash
-27.79%
DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)
$8,037
Price-to-Rent

Lower = better for investors

15.9

* Modelled at 20% down, 7.43% 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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BCashflow−$2,617/mo