31380 Lake Vista Terrace
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31380 Lake Vista Terrace

Dbottom 20%

Bonsall, CA 92003

$2,500,000
STR: check · HOA rules unknown · TOT 8%

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

Principal & Interest$13,889
Property Tax$2,500
Insurance$729
HOA$198
%($500,000)
%
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

0D
Est. Monthly Rent
$6,398

5 leases of houses in 92003, size-adjusted · $5,809–$6,531

Monthly Cashflow

Rent − PITIA

-$10,918
Full Cashflow

Incl. vacancy, PM, maint, capex

-$14,472

What would make this work?

$14,472/mo short at 20% down; +$18,795/mo rent closes it.

Break-even price

75% under asking

$615,592
Break-even rent

$18,795/mo above the estimate

$25,193/mo
Cashflow at 35% down
−$11,868/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$13,889
Cap Rate
-0.13%
Cash-on-Cash
-34.73%
DSCR

Need ≥ 1.25 for DSCR loan

0.37

NOI (Annual)
-$3,168
Price-to-Rent

Lower = better for investors

32.6

* 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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DCashflow−$14,472/mo