312 Pico De La Loma
Ctop 80%Escondido, CA 92029
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
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.
Comparable Properties
5 comps foundThis Property
$6,307
Comp Average
$5,512
1986 Continental Lane
4bd / 2.5ba · 2,887 sqft · Single Family
$1.50M
Est. $5,644/mo
2450 Vista Lago Ter
4bd / 3ba · 2,598 sqft · Single Family
$1.65M
Est. $5,637/mo
3268 Via Zamora
4bd / 3.5ba · 2,813 sqft · Single Family
$1.43M
Est. $5,147/mo
1556 Via Rancho Pkwy
4bd / 3ba · 3,000 sqft · Single Family
$1.88M
Est. $5,652/mo
20020 Elfin Forest Road
4bd / 2.5ba · 2,727 sqft · Single Family
$2.35M
Est. $5,482/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 4-bed houses within 2 mi · $5,918–$8,075
Blended 50/50 with the zip's market median ($5,933)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$10,045/mo short at 20% down; 98% down or +$13,045/mo rent closes it.
- Break-even price
- $574,567
- Break-even rent
- $19,352/mo
- Cashflow at 35% down
- −$8,091/mo
- Down payment to break even
- 98%
- Rate to break even
- Not reachable
70% under asking
$13,045/mo above the estimate
$1,851,220 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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