
31396 Lake Vista Circle
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: -$12,271/mo full cashflow at 20% down, 7.43% rate.
Works at $552,237 (74% under asking); even all cash loses money at asking.
Rent $5,742/mo from 5 leases of houses in 92003, size-adjusted ($5,340–$5,860).
Beds
4
Baths
3.5
Sqft
4,018
Year Built
1990
Days on Market
49
Property Type
Single Family
HOA/mo
$180
MLS ID
260023177SD
This property is in Bonsall (92003). Browse neighborhood analytics →
About This Property
Set within the exclusive gated community of Lake Vista Estates, this single level Bonsall home enjoys approximately 2 acres, beautiful views, and a peaceful setting surrounded by mature landscaping. The community is known for its custom homes, lush grounds, gated access, and spacious properties, creating a quiet residential setting in the hills of North San Diego County. At 4,018 square feet, the home is bright and open with wide hallways, beamed ceilings, French windows, and generous living areas. Two fireplaces add warmth and character, while the kitchen with granite countertops connects easily to the dining and family rooms. Large windows bring in natural light and take advantage of the greenery and scenery outside. The primary suite is generously sized, with additional rooms providing flexibility for guests, an office, hobbies, or multigenerational living. A gazebo provides a comfortable place to enjoy the grounds, complemented by established landscaping and an upgraded irrigation system. Recent improvements include fresh interior paint, enhanced landscaping and irrigation, and water leak control. Lake Vista Estates also offers street lighting, a community park, hiking opportunities, and convenient access to Highway 76 and I-15, with Oceanside and the North County coast within easy reach.
Mortgage Calculator
Est. Monthly Payment
$14,901
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
$5,742
Comp Average
$6,520
30330 Via Maria Elena
3bd / 4.5ba · 4,053 sqft · Single Family
$2.00M
Est. $7,392/mo

31418 Calle De Talar
5bd / 4ba · 4,007 sqft · Single Family
$1.85M
Est. $5,734/mo
31463 Lake Vista Circle
4bd / 3ba · 3,737 sqft · Single Family
$2.75M
Est. $7,973/mo
31402 Lake
4bd / 4.5ba · 4,583 sqft · Single Family
$2.50M
Est. $6,132/mo
30410 Calle La Reina
4bd / 4ba · 3,512 sqft · Single Family
$2.37M
Est. $5,368/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
5 leases of houses in 92003, size-adjusted · $5,340–$5,860
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$12,271/mo short at 20% down; +$15,937/mo rent closes it.
- Break-even price
- $552,237
- Break-even rent
- $21,679/mo
- Cashflow at 35% down
- −$10,032/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
74% under asking
$15,937/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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