
3517 Lone Pine Lane
Ctop 80%San Marcos, CA 92078Neighborhood: Business/Industrial District
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 →
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
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.
Comparable Properties
5 comps foundThis Property
$4,989
Comp Average
$4,800
639 Starstone Drive
4bd / 3ba · 2,000 sqft · Single Family
$1.05M
Est. $4,559/mo
975 Rose Arbor Drive
3bd / 2.5ba · 2,319 sqft · Single Family
$1.13M
Est. $4,972/mo
1578 Chert Dr.
4bd / 3ba · 2,022 sqft · Single Family
$1.20M
Est. $4,956/mo
368 Avenida La Cuesta
4bd / 3ba · 2,397 sqft · Single Family
$1.20M
Est. $4,922/mo
930 Rose Arbor Drive
3bd / 2.5ba · 2,319 sqft · Single Family
$1.15M
Est. $4,591/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,537/mo short at 20% down; 87% down or +$7,191/mo rent closes it.
- Break-even price
- $475,410
- Break-even rent
- $12,180/mo
- Cashflow at 35% down
- −$4,296/mo
- Down payment to break even
- 87%
- Rate to break even
- Not reachable
60% under asking
$7,191/mo above the estimate
$1,044,000 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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