30181 Via Maria Elena
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30181 Via Maria Elena

Ctop 80%

Bonsall, CA 92003

$1,275,000

Pass at asking: -$5,448/mo full cashflow at 20% down, 7.43% rate.

Works at $565,635 (56% under asking), or at 82% down.

Rent $5,642/mo from 4 leases of 2–4 bed houses in 92003 ($5,020–$5,321).

Beds

3

Baths

3

Sqft

3,218

Year Built

1987

Days on Market

47

Property Type

Single Family

HOA/mo

N/A

MLS ID

DW26206596

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

Virtual Tour

About This Property

Experience refined country living at 30181 Via Maria Elena, an impressive single-story residence set on 4.25 acres in Bonsall. Offering approximately 3,218 sq. ft. of beautifully designed living space, this 3-bedroom, 2.5-bath home blends comfort, style, and generous proportions throughout. The updated kitchen showcases quartz countertops, stainless steel appliances, a substantial center island, and abundant workspace, creating an inviting centerpiece for both everyday living and entertaining. Expansive living areas are enhanced by a fireplace and an abundance of natural light, while thoughtfully updated finishes give the home a fresh, sophisticated feel. Outside, the sprawling acreage creates a sense of openness and privacy, complemented by a spacious 3-car attached garage. With its single-story design, generous interior spaces, and remarkable 4.25-acre setting, this Bonsall property offers a distinctive opportunity to enjoy elevated living with room to breathe.

Mortgage Calculator

Est. Monthly Payment

$8,730

Principal & Interest$7,083
Property Tax$1,275
Insurance$372
%($255,000)
%
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

18C
Est. Monthly Rent
$5,642

4 leases of 2–4 bed houses in 92003 · $5,020–$5,321

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,088
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,448

What would make this work?

$5,448/mo short at 20% down; 82% down or +$7,076/mo rent closes it.

Break-even price

56% under asking

$565,635
Break-even rent

$7,076/mo above the estimate

$12,718/mo
Cashflow at 35% down
−$4,120/mo
Down payment to break even

$1,045,500 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,083
Cap Rate
1.80%
Cash-on-Cash
-25.64%
DSCR

Need ≥ 1.25 for DSCR loan

0.65

NOI (Annual)
$23,003
Price-to-Rent

Lower = better for investors

18.8

* 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−$5,448/mo