3228 Sitio Montecillo
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3228 Sitio Montecillo

D

Carlsbad, CA 92009

$3,395,000
NEW — 1d on market

Beds

5

Baths

5.5

Sqft

5,039

Year Built

2007

Days on Market

1

Property Type

Single Family

HOA/mo

$450

MLS ID

260008908SD

This property is in Carlsbad (92009). View neighborhood stats →

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About This Property

Perched on an elevated 1/3 of an acre in the coveted and gated community of La Costa Ridge, this extensively upgraded residence captures breathtaking sunrises, sunsets, and peekaboo ocean views. This offers a rare blend of privacy, luxury, and coastal lifestyle. Thoughtfully reimagined in 2024, the home features a stunning designer kitchen with quartz countertops, Thermador appliances, a statement 48” stainless steel sink, and Pottery Barn lighting. Beverly Hills addition wide-plank 10.5” white oak hardwood flooring flows throughout, complemented by fresh interior paint, upgraded carpet, and a dramatic 100” linear fireplace with custom stone surround and built-ins. The primary suite is a true retreat with a custom California Closet, quartz countertops, built-ins, and spa-inspired upgrades. Wellness-focused enhancements include zero VOC materials throughout and a whole-house. Enjoy seamless indoor-outdoor living with a private saltwater pool, removable safety gate, and new Pentair smart system. Paid solar + pool solar heating maximize efficiency. Additional highlights include a dedicated office with private entrance, downstairs guest bedroom with private entrance, en-suite bathrooms in every bedroom, luxury fandeliers, and thoughtful high-end finishes throughout. Turnkey, designer-upgraded, and ideally located—this is La Costa Ridge living at its finest.

Mortgage Calculator

Est. Monthly Payment

$22,002

Principal & Interest$17,167
Property Tax$3,395
Insurance$990
HOA$450
%($679,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,808
Monthly Cashflow

Rent − PITIA

$-14,194
Full Cashflow

Incl. vacancy, PM, maint, capex

$-18,819

Mortgage (P+I)
$17,167
Cap Rate
-0.58%
Cash-on-Cash
-33.26%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.35
Break-even Rent
$32,248

NOI (Annual)
$-19,824
Price-to-Rent

Lower = better for investors

36.2

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

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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