
31402 Lake
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: -$14,677/mo full cashflow at 20% down, 7.43% rate.
Works at $588,955 (76% under asking); even all cash loses money at asking.
Rent $6,132/mo from 5 leases of houses in 92003, size-adjusted ($5,567–$6,259).
Beds
4
Baths
4.5
Sqft
4,583
Year Built
1990
Days on Market
76
Property Type
Single Family
HOA/mo
$198
MLS ID
ND26186936
This property is in Bonsall (92003). Browse neighborhood analytics →
About This Property
Motivated sellers, bring your offers! **Breathtaking Valley Views** Discover this custom home offering privacy, sophisticated finishes, and incredible indoor-outdoor living. Nearly every room captures panoramic views across the San Luis Rey Valley and San Luis Rey Downs Training Center.Inside, European White Oak flooring, soaring ceilings, exposed beams, and beautiful architectural details set the tone. The chef's kitchen features a massive center island, custom cabinetry, walk-in pantry, Miele induction range, Sub-Zero refrigerator and Sub-Zero refrigerator drawers, plus an adjacent eat-in dining area. A separate formal dining room provides an elegant space for entertaining. The oversized family room is a true focal point, with tall ceilings, fireplace, built-ins, walls of windows, and spectacular valley views.A unique turret-style private office/study above the main living spaces, creating an inspiring work-from-home retreat with incredible elevated views. The flexible floor plan lives like a single story and offers 4 bedrooms all with ensuite bathrooms. The primary suite features backyard access, dual walk-in closets, an imported Italian marble fireplace, heated bathroom floors, soaking tub, and steam shower. Thoughtful updates include updated AC, two instant hot water heaters, and a Tesla EV charger.The back yard is ideal for entertaining or relaxing and enjoying the sunset. Boasting a recently resurfaced pool with stone waterfall, glass fencing, expansive private deck, built-in BBQ, rose garden, and breathtaking sunset views. Located in Bonsall, one of North County San Diego's hidden gems, Lake Vista Estates is a gated community that is close to highly rated Bonsall schools, wineries, golf courses, hiking trails, restaurants, shopping, and coastal beaches. Convenient to Fallbrook, Vista, Oceanside, Temecula Wine Country, and Interstate 15 for easy commuting.A rare opportunity to enjoy exceptional views, high-end finishes, privacy, and the relaxed Bonsall lifestyle in one of North San Diego County's most desirable settings. This home has a VA assumable loan with an interest rate under 3%. Call for more details
Mortgage Calculator
Est. Monthly Payment
$17,316
Location
Loading map...
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
$6,132
Comp Average
$6,315
30330 Via Maria Elena
3bd / 4.5ba · 4,053 sqft · Single Family
$2.00M
Est. $7,392/mo
30477 Via Maria Elena
5bd / 4.5ba · 4,750 sqft · Single Family
$2.00M
Est. $6,243/mo
31380 Lake Vista Terrace
4bd / 4ba · 4,990 sqft · Single Family
$2.50M
Est. $6,398/mo
31396 Lake Vista Circle
4bd / 3.5ba · 4,018 sqft · Single Family
$2.15M
Est. $5,742/mo
7017 Via Mariposa Sur
4bd / 4ba · 4,100 sqft · Single Family
$3.67M
Est. $5,800/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
5 leases of houses in 92003, size-adjusted · $5,567–$6,259
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$14,677/mo short at 20% down; +$19,061/mo rent closes it.
- Break-even price
- $588,955
- Break-even rent
- $25,193/mo
- Cashflow at 35% down
- −$12,073/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
76% under asking
$19,061/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.
Open Full Calculator