3485 Lone Jack Road

3485 Lone Jack Road

D

Encinitas, CA 92024

$3,988,800

Soft Appraisal Value: $3,843,100 · 3.8% above estimate

Beds

4

Baths

3

Sqft

2,446

Year Built

1991

Days on Market

154

Property Type

Single Family

HOA/mo

N/A

MLS ID

250043222SD

Description

Welcome to Lone Jack Ranch – A Rare Opportunity in the Heart of Olivenhain. Set in a community where time seems to stand still, this remarkable 15-acre estate blends rural tranquility with upscale coastal living. Whether you’re an equestrian, builder, or someone seeking space to create lifelong memories, 3485 Lone Jack Rd offers the perfect canvas for your vision. Just 8 miles from the Pacific Ocean, this property features a private lake, mature landscapes, equestrian amenities, and endless development potential—a rare combination of natural beauty, privacy, and possibility. Located within one of Southern California’s most productive subtropical zones (USDA 10a–10b, Sunset 24), ideal for avocados, citrus, and even bananas. A 485-ft well drilled in 2005 delivers 128 GPM with a regulated flow of 20 GPM, feeding a 5,000-gallon storage tank and in-home filtration. Septic certified April 2025. Zoning allows two horses per acre; includes riding arena and access to a 30-mile trail network and two premier riding centers. Lone Jack Ranch—an Encinitas legacy in the making.

Mortgage Calculator

Est. Monthly Payment

$25,322

Principal & Interest$20,170
Property Tax$3,989
Insurance$1,163
%($797,760)
%

Investment Score

0D
Est. Monthly Rent
$7,638
Monthly Cashflow

Rent − PITIA

$-17,683
Full Cashflow

Incl. vacancy, PM, maint, capex

$-22,764

Mortgage (P+I)
$20,170
Cap Rate
-0.78%
Cash-on-Cash
-34.24%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.30
Break-even Rent
$37,202

NOI (Annual)
$-31,134
Price-to-Rent

Lower = better for investors

43.5

* 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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