2965 Rue De Latour
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2965 Rue De Latour

Ctop 80%

Bonsall, CA 92003

$1,149,000
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: -$5,794/mo full cashflow at 20% down, 7.43% rate.

Works at $394,579 (66% under asking), or at 93% down.

Rent $4,485/mo from 4 leases of 2–4 bed houses in 92003 ($3,900–$4,134).

Beds

3

Baths

2

Sqft

1,942

Year Built

2024

Days on Market

94

Property Type

Single Family

HOA/mo

$423

MLS ID

NDP2607498

This property is in Bonsall (92003). Browse neighborhood analytics →

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About This Property

Modern luxury meets effortless Single-Level living in this stunning, nearly new 2024 residence, ideally situated within the exclusive gated enclave of Provence at The Havens in the scenic foothills of Bonsall. Offering 3 bedrooms, an open-concept design, and an abundance of natural light, this beautifully upgraded home blends sophisticated style with everyday comfort. Designed for seamless indoor-outdoor living, the spacious great room flows into a gourmet kitchen featuring a large center marble-island, premium finishes, and a covered California Room—perfect for entertaining or relaxing year-round. The luxurious primary suite overlooks the serene backyard and California Room and offers a spa-inspired bath with a soaking tub, walk-in shower, and generous walk-in closet. Loaded with premium upgrades and designer touches throughout, this smart, energy-efficient home includes owned solar and shows like a model. Outside, the professionally landscaped, low-maintenance backyard features fruit trees, thoughtfully selected greenery, a drip irrigation system, and inviting spaces for dining, entertaining, or simply unwinding. Located within The Havens master-planned community, residents enjoy a lifestyle centered around wellness and nature, with scenic walking trails, breathtaking mountain and hillside views, and access to the Havens Country Club amenities including the Aquatic Center featuring a resort-style pool, spa, and fitness center + pickleball & tennis courts. Positioned across from The Havens Country Club, minutes to the 15 freeway and short drive to Oceanside & Carlsbad, this exceptional home offers the rare opportunity to enjoy luxury, convenience, and the peace of mind that comes with newer construction— One of the few resale opportunities available, this exceptional single-level home is your chance to own in one of the area's most sought-after new communities. Don't miss the opportunity to make this beautiful home your own.

Mortgage Calculator

Est. Monthly Payment

$8,290

Principal & Interest$6,383
Property Tax$1,149
Insurance$335
HOA$423
%($229,800)
%
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

8C
Est. Monthly Rent
$4,485

4 leases of 2–4 bed houses in 92003 · $3,900–$4,134

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,805
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,794

What would make this work?

$5,794/mo short at 20% down; 93% down or +$7,525/mo rent closes it.

Break-even price

66% under asking

$394,579
Break-even rent

$7,525/mo above the estimate

$12,010/mo
Cashflow at 35% down
−$4,597/mo
Down payment to break even

$1,068,570 cash

93%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,383
Cap Rate
0.85%
Cash-on-Cash
-30.26%
DSCR

Need ≥ 1.25 for DSCR loan

0.54

NOI (Annual)
$9,758
Price-to-Rent

Lower = better for investors

21.3

* 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−$5,794/mo