32078 Del Cielo Oeste
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32078 Del Cielo Oeste

Atop 10%

Bonsall, CA 92003

$574,888
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: -$2,127/mo full cashflow at 20% down, 7.43% rate.

Works at $297,969 (48% under asking), or at 74% down.

Rent $3,706/mo: property-level estimate.

Beds

3

Baths

2.5

Sqft

1,748

Year Built

1981

Days on Market

102

Property Type

Condo

HOA/mo

$565

MLS ID

NDP2607088

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

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About This Property

HOA dues have already been paid through the end of 2027, providing the new owner with significant savings from day one. Rarely does a condo combine this much space, timeless style, and quality craftsmanship. Completely remodeled from top to bottom, this stunning 3-bedroom, 2.5 bath & 2.5 car garage Mission Oaks residence offers nearly 1,800 square feet of beautifully updated living space. The open concept floor plan is has soaring vaulted ceilings with beautiful wood beam accents, creating an inviting atmosphere that truly feels like home. Rich hickory hardwood flooring flows seamlessly throughout, complemented by natural light, fresh interior paint, and a cozy wood-burning fireplace. The beautifully redesigned kitchen is both elegant and functional, featuring brand-new stainless steel appliances, quartz countertops, custom cabinetry, designer finishes, and modern lighting. Every bathroom has been thoughtfully reimagined with timeless designer touches, including custom tile, brand new vanities, updated fixtures, and extra-tall showerheads with handheld sprayers for a spa like experience. Additional upgrades include brand-new dual-pane windows, new central air conditioning, & furnace, new ceiling fans, and quality finishes throughout, giving you piece of mind for years to come. The attached two-car garage features a full-size laundry area, an additional storage room with window and fan , and direct access to the home for added convenience. Ideally located just steps from the community pool and with quick access to Hwy 76. This home offers the perfect blend of comfort, convenience, and style. Although technically a condo, this home lives like a spacious single-family residence. Every detail has been thoughtfully completed with timeless finishes designed to be just as beautiful years from now as they are today. All that’s left is to move in, unpack, and start making memories in a place you’ll be proud to call your own.

Mortgage Calculator

Est. Monthly Payment

$4,501

Principal & Interest$3,194
Property Tax$575
Insurance$168
HOA$565
%($114,978)
%
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

56A
Est. Monthly Rent
$3,706

Property-level estimate

Thin data: no closed leases like this one nearby.

Monthly Cashflow

Rent − PITIA

-$796
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,127

What would make this work?

$2,127/mo short at 20% down; 74% down or +$2,762/mo rent closes it.

Break-even price

48% under asking

$297,969
Break-even rent

$2,762/mo above the estimate

$6,468/mo
Cashflow at 35% down
−$1,528/mo
Down payment to break even

$425,417 cash

74%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,194
Cap Rate
2.61%
Cash-on-Cash
-22.20%
DSCR

Need ≥ 1.25 for DSCR loan

0.82

NOI (Annual)
$15,024
Price-to-Rent

Lower = better for investors

12.9

* 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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ACashflow−$2,127/mo