312 Pico De La Loma

312 Pico De La Loma

Ctop 80%

Escondido, CA 92029

$1,889,000
NEW — 0d
STR limited · Escondido pilot, owners only · TOT 10%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$10,045/mo full cashflow at 20% down, 7.36% rate.

Works at $574,567 (70% under asking), or at 98% down.

Rent $6,307/mo from 10 leases of 4-bed houses within 2 mi ($5,918–$8,075).

Beds

4

Baths

3

Sqft

3,044

Year Built

1980

Days on Market

0

Property Type

Single Family

HOA/mo

$465

MLS ID

260026834SD

This property is in Escondido (92029). Browse neighborhood analytics →

About This Property

Perched among the treetops in Escondido's coveted Lomas Serenas enclave, this four-bedroom, three-bath residence is a study in understated luxury. Framed by mature greenery and sweeping mountain views, it feels like a secluded architectural retreat. Meticulously reimagined, the interiors celebrate texture, warmth, and craftsmanship. Custom wood millwork, natural stone, artistic hand-painted details, and refined fixtures create spaces that feel collected rather than constructed. The expansive primary suite opens to a private courtyard and features a striking bath with intricate travertine stonework, a sculptural soaking tub, and a generous walk-in closet. At the heart of the home, the kitchen opens to an expansive view deck overlooking the lush landscape, blurring the line between indoors and out. From slow mornings overlooking the trees to evenings spent entertaining against a backdrop of mountain views, the setting is as memorable as the home itself. Generous living spaces, including an expansive living and dining area, charming breakfast nook, and separate lower-level family room, offer plenty of room to gather, entertain, or unwind, with ample storage thoughtfully integrated throughout. Set on nearly three-quarters of an acre, the grounds offer remarkable privacy and potential for a pool, guest residence, gardens, or outdoor entertaining. Surrounded by distinguished estates in one of Escondido's most desirable enclaves, this is a rare offering. A home that feels worlds away, yet remains connected to everything.

Mortgage Calculator

Est. Monthly Payment

$13,327

Principal & Interest$10,422
Property Tax$1,889
Insurance$551
HOA$465
%($377,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Bernardo Elementary · grades K-5 · Escondido Union

  • Middle

    Bear Valley Middle · grades 6-8 · Escondido Union

  • High

    San Pasqual High · grades 9-12 · Escondido Union High

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
$6,307

10 leases of 4-bed houses within 2 mi · $5,918–$8,075

Blended 50/50 with the zip's market median ($5,933)

Monthly Cashflow

Rent − PITIA

-$7,020
Full Cashflow

Incl. vacancy, PM, maint, capex

-$10,045

What would make this work?

$10,045/mo short at 20% down; 98% down or +$13,045/mo rent closes it.

Break-even price

70% under asking

$574,567
Break-even rent

$13,045/mo above the estimate

$19,352/mo
Cashflow at 35% down
−$8,091/mo
Down payment to break even

$1,851,220 cash

98%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$10,422
Cap Rate
0.44%
Cash-on-Cash
-31.91%
DSCR

Need ≥ 1.25 for DSCR loan

0.47

NOI (Annual)
$8,311
Price-to-Rent

Lower = better for investors

25.0

* 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−$10,045/mo