
3533 Sarah Ann Dr.
Ctop 80%Fallbrook, CA 92028
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 →
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
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.
Comparable Properties
5 comps foundThis Property
$4,557
Comp Average
$4,715
613 Carnation Lane
4bd / 3ba · 2,515 sqft · Single Family
$840K
Est. $4,741/mo
1202 Calle Sonia
4bd / 3ba · 2,791 sqft · Single Family
$969K
Est. $4,761/mo

1514 Camino De Nog
4bd / 3ba · 2,596 sqft · Single Family
$1.07M
Est. $4,767/mo
1905 Green Vista Lane
4bd / 3ba · 2,667 sqft · Single Family
$1.10M
Est. $4,694/mo
1850 Canyon Heights Road
4bd / 2.5ba · 2,646 sqft · Single Family
$1.30M
Est. $4,614/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
4 leases of 4-bed houses in 92028 · $4,052–$4,975
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,329/mo short at 20% down; 85% down or +$5,622/mo rent closes it.
- Break-even price
- $405,466
- Break-even rent
- $10,179/mo
- Cashflow at 35% down
- −$3,319/mo
- Down payment to break even
- 85%
- Rate to break even
- Not reachable
58% under asking
$5,622/mo above the estimate
$823,650 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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