28108 Mountain Meadow Road
1 / 20

28108 Mountain Meadow Road

Atop 10%

Escondido, CA 92026

$899,000
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: -$2,713/mo full cashflow at 20% down, 7.36% rate.

Works at $543,866 (40% under asking), or at 64% down.

Rent $5,436/mo from 6 leases of 4-bed houses in 92026 ($5,250–$5,844).

Beds

4

Baths

3

Sqft

3,172

Year Built

1979

Days on Market

213

Property Type

Single Family

HOA/mo

$29

MLS ID

260008689SD

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

Virtual Tour

About This Property

Perched on a spacious corner lot in the quiet, desirable Mountain Meadows community, 28108 Mountain Meadow Road offers 4 bedrooms, 3 bathrooms, and 3,172 sq ft of thoughtfully updated living space designed for both everyday living and entertaining. Bamboo flooring flows throughout the main living areas, creating a warm and cohesive feel, while the open-concept layout connects the living room, dining area, and beautifully remodeled kitchen. The kitchen is designed for gathering, featuring a generous island with seating that's ideal for hosting, casual dining, and everyday connection. A striking stone fireplace anchors the living room, complemented by expansive windows that frame peaceful, tree-filled views and fill the home with natural light. Downstairs, a dedicated game room creates a true lifestyle space—perfect for entertaining, game nights, or a private retreat separate from the main living areas. The primary suite offers ample space, a large closet, and direct access to the backyard, creating a comfortable and private escape. Set on a spacious lot with mature landscaping, the backyard offers a tranquil setting with patio space, a natural hillside, and room to customize. Ideally located in the desirable Mountain Meadows community, this home enjoys convenient access to Escondido, Hidden Meadows, Fallbrook, San Marcos, Vista, Valley Center, and Bonsall, while being just minutes from the I-15 Freeway. Nearby golf, dining, shopping, wineries, and everyday conveniences complement the peaceful setting, offering an exceptional North County lifestyle.

Mortgage Calculator

Est. Monthly Payment

$6,150

Principal & Interest$4,960
Property Tax$899
Insurance$262
HOA$29
%($179,800)
%
Loan Term

Location

Loading map...

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

57A
Est. Monthly Rent
$5,436

6 leases of 4-bed houses in 92026 · $5,250–$5,844

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$714
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,713

What would make this work?

$2,713/mo short at 20% down; 64% down or +$3,524/mo rent closes it.

Break-even price

40% under asking

$543,866
Break-even rent

$3,524/mo above the estimate

$8,960/mo
Cashflow at 35% down
−$1,783/mo
Down payment to break even

$575,360 cash

64%
Rate to break even

at 20% down

0.80%

Mortgage (P+I)
$4,960
Cap Rate
3.36%
Cash-on-Cash
-18.11%
DSCR

Need ≥ 1.25 for DSCR loan

0.88

NOI (Annual)
$30,220
Price-to-Rent

Lower = better for investors

13.8

* 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.

Open Full Calculator
ACashflow−$2,713/mo