3068 Sprucewood Lane

3068 Sprucewood Lane

Ctop 80%

Escondido, CA 92027

$925,000
NEW — 0d

Pass at asking: -$3,949/mo full cashflow at 20% down, 7.49% rate.

Works at $413,132 (55% under asking), or at 82% down.

Rent $4,417/mo from 7 leases of 3-bed houses in 92027 ($4,796–$5,151).

Beds

3

Baths

3

Sqft

2,175

Year Built

1997

Days on Market

0

Property Type

Single Family

HOA/mo

$215

MLS ID

NDP2610007

This property is in Escondido (92027). View neighborhood stats →

About This Property

Welcome to 3068 Sprucewood, a spacious 3-bedroom, 3-bath home with a BONUS OFFICE nestled in Escondido’s desirable Dos Osos community of Rancho San Pasqual! Inside, you'll find a versatile floor plan featuring custom hardwood flooring downstairs, fresh interior paint, and a dedicated workshop space in the garage. Recently refreshed landscaping adds to the home's inviting curb appeal, while the hardscaped backyard offers a low-maintenance setting for relaxing or entertaining. Raised garden beds with drip irrigation are ready for your favorite flowers, herbs, or homegrown vegetables! Residents of Rancho San Pasqual enjoy an array of community amenities, including a resort-style pool and spa, clubhouse, sports court, playground, BBQ area, and beautifully maintained open spaces. The neighborhood is also home to Dos Osos Golf Club, operated by JC Resorts, offering scenic golf, a spacious clubhouse deck, refreshments, happy hours, and live music. With flexible living spaces, thoughtful outdoor features, and recreation right in your own neighborhood, 3068 Sprucewood offers the perfect opportunity to enjoy the Rancho San Pasqual lifestyle!

Mortgage Calculator

Est. Monthly Payment

$6,579

Principal & Interest$5,169
Property Tax$925
Insurance$270
HOA$215
%($185,000)
%
Loan Term

Location

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Investment Score

29C
Est. Monthly Rent
$4,417

7 leases of 3-bed houses in 92027 · $4,796–$5,151

Blended 50/50 with the zip's market median ($3,700)

Monthly Cashflow

Rent − PITIA

-$2,162
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,949

What would make this work?

$3,949/mo short at 20% down; 82% down or +$5,128/mo rent closes it.

Break-even price

55% under asking

$413,132
Break-even rent

$5,128/mo above the estimate

$9,545/mo
Cashflow at 35% down
−$2,980/mo
Down payment to break even

$758,500 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,169
Cap Rate
1.87%
Cash-on-Cash
-25.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)
$17,293
Price-to-Rent

Lower = better for investors

17.5

* Modelled at 20% down, 7.49% 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−$3,949/mo