2713 Vistamonte
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2713 Vistamonte

Ctop 80%

Escondido, CA 92027

$1,710,000
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: -$8,444/mo full cashflow at 20% down, 7.43% rate.

Works at $610,598 (64% under asking), or at 92% down.

Rent $6,528/mo from 7 leases of 4-bed houses in 92027 ($6,083–$6,862).

Beds

4

Baths

3.5

Sqft

3,971

Year Built

2007

Days on Market

47

Property Type

Single Family

HOA/mo

$337

MLS ID

260023026SD

This property is in Escondido (92027). View neighborhood stats →

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About This Property

Perched on an elevated premium view lot within the exclusive gated community of Ranchos Vistamonte, this exceptional Tuscan-inspired residence offers a private resort lifestyle with sweeping 180-degree views of the San Pasqual Valley. Thoughtfully upgraded throughout, the home features walnut hardwood floors, designer carpeting, custom interior and exterior paint, wood shutters and shades, upgraded brushed-bronze fixtures, a custom staircase and distinctive custom fireplaces. The dramatic entry opens to a soaring foyer, private office or optional fifth bedroom, powder room and elegant formal living room. French doors lead to a peaceful interior courtyard, while the formal dining room is complemented by a custom wine room accommodating approximately 250 bottles. Designed for entertaining, the spacious kitchen features rich mocha cabinetry, stone countertops with a full backsplash, stainless-steel appliances, upgraded hardware, pendant lighting and an oversized center island overlooking the family room. A built-in media center, second fireplace and French doors create a seamless connection to the courtyard and outdoor living areas. The backyard is a true entertainer’s retreat, complete with a pool and spa, built-in barbecue, fire-pit area, covered California patio, two remote-controlled awnings and thoughtfully enhanced landscaping with custom pavers, decorative rock and mature plantings—all framed by spectacular valley and mountain views. Cool wildlife nearby such as deer, hawks, birds and more. A downstairs bedroom and full bathroom provide comfortable accommodations for guests or multigenerational living. Upstairs, a generous loft joins two secondary bedrooms with a shared bath. The expansive primary suite includes a private retreat, dual walk-in closets and a spa-inspired bathroom with a soaking tub, stone walk-in shower and dual vanities. French doors open to a covered outdoor room where the panoramic views take center stage. Additional improvements include a new upstairs furnace and air-conditioning system, family-size tankless water heater, whole-property pure-water system supplying drinkable water from every indoor and outdoor spout, repaired roof tiles, a custom side gate and an attached three-car garage with epoxy flooring, workbench, cabinetry and abundant storage. Ideally located within the highly regarded San Pasqual Union School District and near the San Diego Zoo Safari Park—formerly known as the Wild Animal Park—the home also offers convenient access to nearby golf courses, scenic hiking trails and the natural beauty of the surrounding San Pasqual Valley. This remarkable gated-community residence combines refined interiors, extensive upgrades, resort-style amenities and an unforgettable setting.

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Est. Monthly Payment

$12,046

Principal & Interest$9,500
Property Tax$1,710
Insurance$499
HOA$337
%($342,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    San Pasqual Union Elementary · grades K-8 · San Pasqual Union Elementary

  • Middle

    San Pasqual Union Elementary · grades K-8 · San Pasqual Union Elementary

  • High

    Orange Glen 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

10C
Est. Monthly Rent
$6,528

7 leases of 4-bed houses in 92027 · $6,083–$6,862

Monthly Cashflow

Rent − PITIA

-$5,518
Full Cashflow

Incl. vacancy, PM, maint, capex

-$8,444

What would make this work?

$8,444/mo short at 20% down; 92% down or +$10,967/mo rent closes it.

Break-even price

64% under asking

$610,598
Break-even rent

$10,967/mo above the estimate

$17,495/mo
Cashflow at 35% down
−$6,663/mo
Down payment to break even

$1,573,200 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$9,500
Cap Rate
0.97%
Cash-on-Cash
-29.63%
DSCR

Need ≥ 1.25 for DSCR loan

0.54

NOI (Annual)
$16,584
Price-to-Rent

Lower = better for investors

21.8

* 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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CCashflow−$8,444/mo