3533 Sarah Ann Dr.
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3533 Sarah Ann Dr.

Ctop 80%

Fallbrook, CA 92028

$969,000
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: -$4,329/mo full cashflow at 20% down, 7.43% rate.

Works at $405,466 (58% under asking), or at 85% down.

Rent $4,557/mo from 4 leases of 4-bed houses in 92028 ($4,052–$4,975).

Beds

4

Baths

2.5

Sqft

2,638

Year Built

1991

Days on Market

54

Property Type

Single Family

HOA/mo

$395

MLS ID

NDP2608707

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

Virtual Tour

About This Property

YOUR PRIVATE ESCAPE — WITHOUT LEAVING IT ALL BEHIND Some homes check boxes. This one changes the way you live. Set within an intimate, gated community of just 34 homes. Private gated entry, and long-term pride-of-ownership neighbors — this stunning single-level residence offers something rare in Southern California: genuine privacy without sacrifice. Two miles to I-15. Less than a mile to Route 76, 2 miles to the 15 & 30 minutes to the coast. Ten minutes to great restaurants, pilates and everything you may need. A mile & a half from Monserate Winery, hiking & golf at the California Golf Club. Peace and convenience, finally in the same address. Inside, a welcoming foyer opens to soaring ceilings, two cozy fireplaces, and an open kitchen, that flows naturally into the family room — a layout made for both quiet mornings and full weekends of entertaining. New windows, plantation shutters, and LED lighting throughout give every room a fresh, polished feel. Eighty percent of the home has new windows. The primary suite is its own private wing — completely reimagined with a new stone shower and his-and-her closets. Three additional bedrooms, two full baths, and a separate laundry room round out a floor plan that just works. The numbers tell the story too: SDGE averages $25–$75/month with leased solar and backup battery. Fire suppression rooftop sprinkler system . A reasonable HOA covers weekly trash and pristine professional landscaping. Community pool, spa, tennis, and basketball courts complete the picture. Outdoors beautifully landscaped with Queen & King palms, oversized side yard, jacuzzi with room for a pool. Private dining outdoors, with motorized steel screens for privacy. Neighbor only on one side and no neighbor behind. Three-car garage with Tesla battery and overhead shelving. Low maintenance. Reasonable insurance. Nothing to fix, renovate, or imagine. Just move in, exhale, and enjoy Southern California life at its very best.

Mortgage Calculator

Est. Monthly Payment

$7,030

Principal & Interest$5,383
Property Tax$969
Insurance$283
HOA$395
%($193,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Bonsall Elementary · grades K-5 · Bonsall Unified

  • Middle

    Norman L. Sullivan Middle · grades 6-8 · Bonsall Unified

  • High

    Bonsall High · grades 9-12 · Bonsall 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

23C
Est. Monthly Rent
$4,557

4 leases of 4-bed houses in 92028 · $4,052–$4,975

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,473
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,329

What would make this work?

$4,329/mo short at 20% down; 85% down or +$5,622/mo rent closes it.

Break-even price

58% under asking

$405,466
Break-even rent

$5,622/mo above the estimate

$10,179/mo
Cashflow at 35% down
−$3,319/mo
Down payment to break even

$823,650 cash

85%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,383
Cap Rate
1.59%
Cash-on-Cash
-26.80%
DSCR

Need ≥ 1.25 for DSCR loan

0.65

NOI (Annual)
$15,387
Price-to-Rent

Lower = better for investors

17.7

* Modelled at 20% down, 7.43% 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−$4,329/mo