29114 Laurel Valley Drive
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29114 Laurel Valley Drive

Ctop 80%

Vista, CA 92084

$939,000
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: -$5,037/mo full cashflow at 20% down, 7.36% rate.

Works at $279,907 (70% under asking), or at 98% down.

Rent $3,311/mo from 5 leases of 2-bed houses in 92084 ($3,371–$3,853).

Beds

2

Baths

2

Sqft

1,430

Year Built

1987

Days on Market

63

Property Type

Single Family

HOA/mo

$410

MLS ID

NDP2608483

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

Virtual Tour

About This Property

Experience effortless single-level living with panoramic golf course and hillside views in the gated community of Vista Valley Villas at The Havens Country Club. Perfectly positioned along the first fairway, this beautifully renovated home captures sweeping views of the first green, ninth tee box, surrounding hillsides, and illuminated country club, arguably some of the best views in the community. Enter through a newly renovated gated courtyard with stone pavers into a light and bright interior featuring vaulted ceilings, fresh paint, wide baseboards, and luxury vinyl plank flooring. The open floor plan offers two bedroom suites plus an office, with living spaces thoughtfully oriented toward the incredible views. Completely remodeled in 2023, the kitchen features white cabinetry, quartz countertops, tile backsplash, stainless steel appliances, bar seating, and a deep sink overlooking the golf course. A breakfast nook and formal dining area provide additional entertaining space, while the living room features a built-in entertainment center, and remote-controlled glare-resistant window coverings. A wall of windows with an oversized sliding glass door leads to the trellis-covered patio to dine, relax, and take in beautiful sunsets over the course. The spacious primary suite features vaulted ceilings, dual closets with a custom closet system and a fully remodeled bath with dual sinks, soaking tub, and walk-in shower. The junior suite offers direct access to an updated secondary bathroom. Extensive recent improvements include the kitchen and bathroom renovations, flooring, interior and exterior paint, courtyard, window coverings, and more. Solar panels, paid up for the next six years, keep the utility cost very low, and the garage is equipped with an EV charger.

Mortgage Calculator

Est. Monthly Payment

$6,804

Principal & Interest$5,181
Property Tax$939
Insurance$274
HOA$410
%($187,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Bonsall Elementary · grades K-5 · Bonsall Unified

  • Middle

    Norman L. Sullivan Middle · grades 6-8 · Bonsall Unified

  • High

    Bonsall High · grades 9-12 · Bonsall 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

4C
Est. Monthly Rent
$3,311

5 leases of 2-bed houses in 92084 · $3,371–$3,853

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,493
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,037

What would make this work?

$5,037/mo short at 20% down; 98% down or +$6,541/mo rent closes it.

Break-even price

70% under asking

$279,907
Break-even rent

$6,541/mo above the estimate

$9,852/mo
Cashflow at 35% down
−$4,065/mo
Down payment to break even

$920,220 cash

98%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,181
Cap Rate
0.40%
Cash-on-Cash
-32.18%
DSCR

Need ≥ 1.25 for DSCR loan

0.49

NOI (Annual)
$3,714
Price-to-Rent

Lower = better for investors

23.6

* 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−$5,037/mo