3517 Lone Pine Lane
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3517 Lone Pine Lane

Ctop 80%

San Marcos, CA 92078Neighborhood: Business/Industrial District

$1,200,000
NEW — 1d
STR: check · San Marcos: confirm the zone · TOT 10%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$5,537/mo full cashflow at 20% down, 7.36% rate.

Works at $475,410 (60% under asking), or at 87% down.

Rent $4,989/mo from 14 leases of 3–5 bed houses within 2 mi ($4,462–$5,283).

Beds

4

Baths

2.5

Sqft

2,249

Year Built

2011

Days on Market

1

Property Type

Single Family

HOA/mo

$208

MLS ID

NDP2610209

This property is in San Marcos (92078). View neighborhood stats →

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About This Property

Welcome to 3517 Lone Pine Lane, a beautifully maintained home tucked away on a quiet cul-de-sac in the desirable Arbor Ranch community of San Marcos. Offering approximately 2,249 square feet of thoughtfully designed living space, this home blends comfort, functionality, and indoor-outdoor living, with plenty of room to grow. Step inside to soaring ceilings, abundant natural light, and a spacious floor plan designed for everyday living and entertaining. Recently refreshed with fresh interior paint throughout, brand-new carpeting installed in November 2026, and a new refrigerator, range, and microwave, the home offers a welcoming, move-in-ready feel. Upstairs, a versatile loft provides additional space for a home office, playroom, or secondary living area. The true highlight is the beautifully designed backyard, featuring a sparkling pool, relaxing spa, and waterslide. Whether hosting gatherings, enjoying sunny afternoons by the pool, or unwinding after a long day, this outdoor retreat provides the perfect setting for making lasting memories. Additional highlights include owned solar and a generously sized lot with only one immediate neighboring residence, offering a wonderful sense of privacy. Ideally situated near the Carlsbad area and just moments from Sunset Park, residents can enjoy walking trails, playgrounds, a splash pad, and recreational spaces, along with convenient access to shopping, dining, and everything North County San Diego has to offer. A wonderful place to settle in, grow, and call home for years to come.

Mortgage Calculator

Est. Monthly Payment

$8,379

Principal & Interest$6,621
Property Tax$1,200
Insurance$350
HOA$208
%($240,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    La Mirada Academy · grades K-8 · San Marcos Unified

  • Middle

    La Mirada Academy · grades K-8 · San Marcos Unified

  • High

    San Marcos High · grades 9-12 · San Marcos 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

13C
Est. Monthly Rent
$4,989

14 leases of 3–5 bed houses within 2 mi · $4,462–$5,283

Blended 50/50 with the zip's market median ($5,014)

Monthly Cashflow

Rent − PITIA

-$3,390
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,537

What would make this work?

$5,537/mo short at 20% down; 87% down or +$7,191/mo rent closes it.

Break-even price

60% under asking

$475,410
Break-even rent

$7,191/mo above the estimate

$12,180/mo
Cashflow at 35% down
−$4,296/mo
Down payment to break even

$1,044,000 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,621
Cap Rate
1.33%
Cash-on-Cash
-27.69%
DSCR

Need ≥ 1.25 for DSCR loan

0.60

NOI (Annual)
$15,996
Price-to-Rent

Lower = better for investors

20.0

* 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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CCashflow−$5,537/mo