3024 Gopher Canyon Rd
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3024 Gopher Canyon Rd

Ctop 80%

Vista, CA 92084

$1,399,925

Pass at asking: -$6,119/mo full cashflow at 20% down, 7.36% rate.

Works at $599,164 (57% under asking), or at 84% down.

Rent $5,947/mo from 7 leases of 3–5 bed houses in 92084 ($5,063–$5,652).

Beds

4

Baths

3.5

Sqft

2,740

Year Built

2017

Days on Market

132

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2606318

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

About This Property

WHO WANTS LOWER ELECTRIC BILLS? This incredible property with 42 OWNED Solar Panels just had a $37 SDGE Bill last month! Set on 1.14 acres at the border of Vista and Bonsall, this MODERN FARMHOUSE is one of the most charming properties in all of North County San Diego! A welcoming wraparound porch sets the tone for this peaceful, private retreat with panoramic hillside views and endless possibilities. The home offers 4 bedrooms, 3.5 baths, and approx. 2,740 sqft, including a private in-law suite with separate entry—ideal for multigenerational living, guests, or rental potential. Beautifully upgraded throughout with wood flooring, designer fixtures and more! At the heart of the home is a stunning chef’s kitchen featuring slab countertops, a farmhouse sink, large center island, stainless steel appliances, glass tile backsplash, and a walk-in pantry with charming barn door entry. The expansive, versatile family room is perfect for everyday living or entertaining. Upstairs, the primary suite is a true retreat with a spa-like soaking tub and separate shower. A detached oversized garage and extended driveway provide exceptional versatility for multiple vehicles, boats, RVs/Toys, while two detached storage sheds offer even more flexibility. The generous lot presents a world of opportunity for an ADU, workshop, or expanded outdoor living. Quiet, scenic, and truly unique—this is a rare opportunity to own a modern farmhouse with space, views, and versatility in an exceptional North County location, and ideally located within the Bonsall School District.

Mortgage Calculator

Est. Monthly Payment

$9,532

Principal & Interest$7,724
Property Tax$1,400
Insurance$408
%($279,985)
%
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

16C
Est. Monthly Rent
$5,947

7 leases of 3–5 bed houses in 92084 · $5,063–$5,652

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,585
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,119

What would make this work?

$6,119/mo short at 20% down; 84% down or +$7,947/mo rent closes it.

Break-even price

57% under asking

$599,164
Break-even rent

$7,947/mo above the estimate

$13,894/mo
Cashflow at 35% down
−$4,671/mo
Down payment to break even

$1,175,937 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,724
Cap Rate
1.63%
Cash-on-Cash
-26.23%
DSCR

Need ≥ 1.25 for DSCR loan

0.62

NOI (Annual)
$22,824
Price-to-Rent

Lower = better for investors

19.6

* 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−$6,119/mo