332 Arroyo Vista

332 Arroyo Vista

Atop 10%

Fallbrook, CA 92028

$575,000
NEW — 1d
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: -$1,314/mo full cashflow at 20% down, 7.36% rate.

Works at $403,002 (30% under asking), or at 54% down.

Rent $4,377/mo from 4 leases of condos & townhomes in 92028, size-adjusted ($3,920–$4,296).

Beds

4

Baths

4

Sqft

2,284

Year Built

1992

Days on Market

1

Property Type

Townhouse

HOA/mo

$290

MLS ID

26108058

This property is in Fallbrook (92028). Browse neighborhood analytics →

About This Property

Welcome to 332 Arroyo Vista, a spacious townhome-style residence in the gated Village Creek community of Fallbrook. Offering 4 bedrooms, 3.5 bathrooms, and approximately 2,284 square feet, this home features an impressive two-story entry, soaring ceilings, abundant natural light, and a dramatic living room with fireplace. The floor plan offers excellent separation and flexibility, including one bedroom on the main level with an attached bathroom featuring dual sinks, shower, and enclosed toilet area, plus an interior laundry room downstairs. Upstairs, the primary suite is privately positioned on one side of the home and features vaulted ceilings, a spacious bathroom with dual vanity, soaking tub, separate shower, and enclosed toilet area. Two additional upstairs bedrooms and a full bathroom are located on the opposite side of the upper level. Additional highlights include a generous kitchen and breakfast area, defined dining space, upstairs landing area, attached 3-car garage, and HOA-maintained common grounds. Select images have been virtually staged; corresponding original photos are included. Buyer to verify all information, including square footage, bed/bath count, HOA, condition, permits, zoning, and community rules.

Mortgage Calculator

Est. Monthly Payment

$4,205

Principal & Interest$3,172
Property Tax$575
Insurance$168
HOA$290
%($115,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    La Paloma Elementary · grades K-6 · Fallbrook Union Elementary

  • Middle

    James E. Potter Intermediate · grades 7-8 · Fallbrook Union Elementary

  • High

    Fallbrook High · grades 9-12 · Fallbrook Union High

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

73A
Est. Monthly Rent
$4,377

4 leases of condos & townhomes in 92028, size-adjusted · $3,920–$4,296

Blended 50/50 with the zip's market median ($4,648)

Monthly Cashflow

Rent − PITIA

+$172
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,314

What would make this work?

$1,314/mo short at 20% down; 54% down or +$1,707/mo rent closes it.

Break-even price

30% under asking

$403,002
Break-even rent

$1,707/mo above the estimate

$6,084/mo
Cashflow at 35% down
−$719/mo
Down payment to break even

$310,500 cash

54%
Rate to break even

at 20% down

2.67%

Mortgage (P+I)
$3,172
Cap Rate
4.33%
Cash-on-Cash
-13.71%
DSCR

Need ≥ 1.25 for DSCR loan

1.04

NOI (Annual)
$24,924
Price-to-Rent

Lower = better for investors

10.9

* Modelled at 20% down, 7.36% 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−$1,314/mo