3140 Dusty Trail

3140 Dusty Trail

D

Encinitas, CA 92024

$3,750,000
NEW — 4d on market

Beds

4

Baths

3.5

Sqft

4,590

Year Built

2001

Days on Market

4

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2601900

Description

Tucked behind private gates in one of Encinitas' most coveted equestrian neighborhoods, this stunning single-level estate delivers the rare combination of refined interior living and resort-caliber outdoor entertaining — all on 2.59 sprawling acres with no monthly HOA fees. Soaring ceilings and abundant natural light welcome you from the moment you arrive. The open-concept floor plan flows seamlessly room to room, anchored by a chef's kitchen appointed with a professional Wolf range, side-by-side refrigerator/freezer, wine refrigerator, and warming drawer. Brand new carpet and wood floors run throughout, complemented by fresh paint that gives the entire home a crisp, move-in ready feel. 4 bedrooms plus a wainscoted office — ideal as a private study or work-from-home retreat — complete the thoughtfully designed interior. Step outside and discover a backyard that rivals the finest resorts. The outdoor living room sets the stage for effortless entertaining, anchored by a grand BBQ island with marble countertops, a Lynx grill, and dedicated smoker. Romantic string lights and a stylish sun shade create the perfect ambiance from afternoon to evening. The sparkling saltwater pool, lush grass lawn, and a brand new artificial turf sports field — ideal for soccer, lacrosse, and active play — offer something for everyone. Horse zoning adds the rare potential to create your own private equestrian retreat. The home's 42-panel paid solar system dramatically reduces energy costs, a whole-home water filtration system ensures clean drinking water, and the oversized four-car garage delivers exceptional storage and flexibility. Every upgrade has been executed with purpose. Served by the award-winning Encinitas Union School District and the highly sought-after Olivenhain Pioneer Elementary, with top-rated middle and high schools rounding out an exceptional educational pathway. All of this — gated privacy, 2.59 acres, luxury finishes, and equestrian zoning — just minutes from the beaches, boutiques, and dining of downtown Encinitas.

Mortgage Calculator

Est. Monthly Payment

$23,806

Principal & Interest$18,962
Property Tax$3,750
Insurance$1,094
%($750,000)
%

Investment Score

3D
Est. Monthly Rent

Market Rent Estimate

$12,790
Monthly Cashflow

Rent − PITI − HOA

$-11,016
Full Cashflow

Incl. vacancy, PM, maint, capex

$-17,083

Mortgage (P+I)
$18,962
Cap Rate
0.60%
Cash-on-Cash
-17.63%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.67
Break-even Rent
$23,806

NOI (Annual)
$22,552
Price-to-Rent

Lower = better for investors

24.4

* Defaults: 20% down, 6.5% rate, 30yr.

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