31463 Lake Vista Circle
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31463 Lake Vista Circle

Dbottom 20%

Bonsall, CA 92003

$2,750,000
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: -$15,162/mo full cashflow at 20% down, 7.43% rate.

Works at $775,937 (72% under asking), or at all cash.

Rent $7,973/mo from 5 leases of houses in 92003, size-adjusted ($5,150–$5,652).

Beds

4

Baths

3

Sqft

3,737

Year Built

2024

Days on Market

120

Property Type

Single Family

HOA/mo

$180

MLS ID

NDP2606679

This property is in Bonsall (92003). Browse neighborhood analytics →

Virtual Tour

About This Property

Newly constructed in 2024, this exceptionally designed custom hilltop estate located within the coveted Lake Vista Estates blends modern home-building advances and timeless Mediterranean style reminiscent of the rolling hills of Tuscany. Perched atop a gently sloping 2-acre usable lot, this 4-bedroom & 3-bathroom, single-level home offers panoramic southwest-facing views to enjoy the best of Southern California sunsets all year round. As you enter, you are greeted by exposed wood beam ceilings and warm-toned tile flooring. The great room is highlighted by a custom stone fireplace, modern media wall, and distant valley views. The designer kitchen features chic Taj Mahal kitchen countertops, two-tone cabinetry, Dacor range and convection oven, Subzero built-in refrigerator, plentiful counter space, and two sinks, including one on the center island. Across from the kitchen is a glass-door-enclosed room for wine storage and a dry bar. The primary suite includes a soaking tub, dual vanity with custom under-cabinet lighting, walk-in tile shower, along with his/hers walk-in closets. Each additional guest bedroom and bathroom contains its own unique style, from hand-picked subway tile to custom vanities — no detail was overlooked. The spacious lot offers numerous possibilities, including room for a guest house or ADU, tennis or pickleball court, vineyard, and more. The lower level accounts for roughly one acre of land and currently offers a variety of fruit trees, including avocado, lemon, lime, orange, and peach. Additional luxury features include a custom multi-layer tile roofing system, 4-car garage with epoxy-coated flooring and custom cabinetry, Pebbletec pool & spa with Pentair pump/heater, paid-for solar, SynLawn artificial turf, 2 tankless water heaters and a water filtration system, CAT 6 wiring, a pre-wired security camera system, and a tech room for outdoor audio and Wi-Fi.

Mortgage Calculator

Est. Monthly Payment

$19,009

Principal & Interest$15,277
Property Tax$2,750
Insurance$802
HOA$180
%($550,000)
%
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

2D
Est. Monthly Rent
$7,973

5 leases of houses in 92003, size-adjusted · $5,150–$5,652

Blended 50/50 with a property-level estimate

A property-level estimate runs more than 25% above what comparable homes leased for ($5,537). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$11,036
Full Cashflow

Incl. vacancy, PM, maint, capex

-$15,162

What would make this work?

$15,162/mo short at 20% down; 100% down or +$19,691/mo rent closes it.

Break-even price

72% under asking

$775,937
Break-even rent

$19,691/mo above the estimate

$27,664/mo
Cashflow at 35% down
−$12,297/mo
Down payment to break even

$2,750,000 cash

100%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$15,277
Cap Rate
0.22%
Cash-on-Cash
-33.08%
DSCR

Need ≥ 1.25 for DSCR loan

0.42

NOI (Annual)
$6,170
Price-to-Rent

Lower = better for investors

28.7

* 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−$15,162/mo