2125 Walnut Lane
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2125 Walnut Lane

Ctop 80%

Vista, CA 92084

$1,249,000
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: -$6,365/mo full cashflow at 20% down, 7.36% rate.

Works at $416,200 (67% under asking), or at 94% down.

Rent $4,390/mo from 12 leases of 3–5 bed houses within 2 mi ($4,959–$5,449).

Beds

4

Baths

3

Sqft

2,762

Year Built

1969

Days on Market

97

Property Type

Single Family

HOA/mo

$200

MLS ID

NDP2607427

This property is in Vista (92084). Browse neighborhood analytics →

Virtual Tour

About This Property

A timeless ranch-style residence, offered for the first time in over four decades, where long-term pride of ownership meets thoughtful modern enhancements. This beautifully maintained home was artfully remodeled in 2014, introducing an expansive and serene primary suite that feels like a private retreat. With 4 bedrooms, 3 baths, and a dedicated office, the home offers an elegant balance of sophistication and comfort. Enter through a formal dining room that sets the tone for refined gatherings, followed by a sunken living room that adds architectural interest and warmth. The generous kitchen and inviting family room create an effortless flow for both everyday living and entertaining. Luxury upgrades include a newer tile roof, vinyl windows, whole-house water softener, and RO system. Professionally landscaped and maintained with mature fruit trees such as guava, pomegranate, apricot, lemon, fuji apple, fig, guava and loquat. The property also features a water well, professionally drilled and ready for a new pump. The home’s versatile layout can gracefully accommodate multi-generational living or provide abundant space for one large household. Outside, the expansive side yard invites endless possibilities—an enchanting garden, a gazebo retreat, an ADU, or additional outdoor living spaces. Set within the coveted Walnut Cove community, this residence is surrounded by long-term neighbors who speak fondly of the area’s rare charm and enduring appeal. Fish in the two ponds, swim in the salt water pool, or simply watch the beautiful animals that surround the natural habitat of this quaint gated community. Homes like this seldom become available, making it a truly exceptional offering.

Mortgage Calculator

Est. Monthly Payment

$8,704

Principal & Interest$6,891
Property Tax$1,249
Insurance$364
HOA$200
%($249,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Hannalei Elementary · grades K-5 · Vista Unified

  • Middle

    Madison Middle · grades 6-8 · Vista Unified

  • High

    Rancho Buena 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.

Investment Score

7C
Est. Monthly Rent
$4,390

12 leases of 3–5 bed houses within 2 mi · $4,959–$5,449

Blended 50/50 with a property-level estimate

A property-level estimate runs more than 25% below what comparable homes leased for ($5,212). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$4,314
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,365

What would make this work?

$6,365/mo short at 20% down; 94% down or +$8,266/mo rent closes it.

Break-even price

67% under asking

$416,200
Break-even rent

$8,266/mo above the estimate

$12,656/mo
Cashflow at 35% down
−$5,072/mo
Down payment to break even

$1,174,060 cash

94%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,891
Cap Rate
0.72%
Cash-on-Cash
-30.57%
DSCR

Need ≥ 1.25 for DSCR loan

0.50

NOI (Annual)
$8,952
Price-to-Rent

Lower = better for investors

23.7

* 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−$6,365/mo