
31380 Lake Vista Terrace
Dbottom 20%Bonsall, CA 92003
HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.
Pass at asking: -$14,472/mo full cashflow at 20% down, 7.43% rate.
Works at $615,592 (75% under asking); even all cash loses money at asking.
Rent $6,398/mo from 5 leases of houses in 92003, size-adjusted ($5,809–$6,531).
Beds
4
Baths
4
Sqft
4,990
Year Built
2003
Days on Market
53
Property Type
Single Family
HOA/mo
$198
MLS ID
OC26191262
This property is in Bonsall (92003). Browse neighborhood analytics →
About This Property
Discover luxury estate living at 31380 Lake Vista Terrace in Bonsall, California, where panoramic Bonsall Valley views, exceptional craftsmanship and approximately four acres of privacy come together within the gated Lake Vista Estates community of North San Diego County. This beautifully maintained residence offers approximately 4,990 square feet with 4 bedrooms, 3 full and 2 half baths, a main-level primary suite, oversized 3-car garage and resort-style saltwater pool and spa. Sweeping north- and east-facing views extend across the valley to the surrounding hills and mountains.Timeless architectural craftsmanship defines the interiors, beginning with an elegant marble-floored entry. Extensive custom millwork, substantial crown molding, paneled and arched openings, beautifully detailed fireplaces and built-in cabinetry reflect the home's enduring quality. Rich African sapele mahogany hardwood flooring enhances the main level, while exotic Merbau hardwood flooring continues upstairs. A graceful wood staircase, French doors and abundant windows introduce warmth and natural light throughout.Designed for both sophisticated entertaining and comfortable everyday living, the residence features generous formal and informal gathering spaces and a dedicated library or home office with floor-to-ceiling built-in bookcases and cabinetry. The spacious kitchen offers granite countertops, stainless-steel appliances, double ovens, a gas cooktop, abundant cabinetry, generous workspace and a distinctive backsplash accented with European-inspired decorative tile.The outdoor living experience is equally impressive. A saltwater swimming pool and spa, fountains, dramatic fire bowls and a separate fire pit create a private resort-style retreat surrounded by expansive grounds and panoramic valley and mountain views. The setting provides opportunities for outdoor entertaining, relaxation and enjoying the natural beauty of Bonsall.Situated within the gated Lake Vista Estates community, this luxury property offers a compelling combination of acreage, privacy, architectural character and indoor-outdoor living. For buyers seeking a spacious estate, a main-level primary suite, panoramic views and resort-style amenities in Bonsall or North San Diego County, 31380 Lake Vista Terrace represents a distinctive opportunity to experience refined Southern California country living.
Mortgage Calculator
Est. Monthly Payment
$17,316
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.
Comparable Properties
5 comps foundThis Property
$6,398
Comp Average
$6,619
30477 Via Maria Elena
5bd / 4.5ba · 4,750 sqft · Single Family
$2.00M
Est. $6,243/mo
30306 Via Maria Elena
5bd / 4.5ba · 5,763 sqft · Single Family
$3.00M
Est. $8,192/mo
31402 Lake
4bd / 4.5ba · 4,583 sqft · Single Family
$2.50M
Est. $6,132/mo
7295 Eagle Mountain Road
5bd / 4ba · 5,614 sqft · Single Family
$2.79M
Est. $6,787/mo
31396 Lake Vista Circle
4bd / 3.5ba · 4,018 sqft · Single Family
$2.15M
Est. $5,742/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
5 leases of houses in 92003, size-adjusted · $5,809–$6,531
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$14,472/mo short at 20% down; +$18,795/mo rent closes it.
- Break-even price
- $615,592
- Break-even rent
- $25,193/mo
- Cashflow at 35% down
- −$11,868/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
75% under asking
$18,795/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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