
4057 Ladera
Ctop 80%Fallbrook, CA 92028
Pass at asking: -$5,945/mo full cashflow at 20% down, 7.36% rate.
Works at $517,055 (60% under asking), or at 87% down.
Rent $5,132/mo from 4 leases of 4-bed houses in 92028 ($4,716–$5,790).
Beds
4
Baths
3.5
Sqft
3,573
Year Built
1977
Days on Market
45
Property Type
Single Family
HOA/mo
N/A
MLS ID
NDP2608611
This property is in Fallbrook (92028). Browse neighborhood analytics →
About This Property
A distinctive single-level ADOBE ranch estate, this exceptional Fallbrook property showcases timeless Southwestern character across more than 3.8 acres in the sought-after Olive Hill area. Designed by Robert Minkler, who worked with noted builder Don Souther and also designed homes for the renowned Weir Brothers, the residence reflects the rich adobe architectural tradition for which the region is known. The 3-bedroom, 2.5-bathroom main residence is designed around a central courtyard with fountains, creating a seamless connection between indoor and outdoor living. Authentic adobe details include arched double entry doors, vaulted ceilings with exposed timber beams, multiple skylights, tile flooring, and built-in Kiva fireplaces in both living areas. The spacious primary suite offers direct backyard access, a large walk-in closet, dual vanities, generous storage, and a jetted tub. The gorgeous, recently remodeled kitchen features stainless steel KitchenAid and Viking appliances, a gas cooktop with grill, built-in oven and microwave, farmhouse sink, butcher-block island, wet bar, wine storage, walk-in pantry, and a bay-window breakfast nook. The adjoining great room opens to a sunroom showcasing beautiful Fallbrook views. The separate 750-square-foot guest house includes a full kitchen, living room, bedroom, bathroom, SOLAR air conditioning, and walk-in closet. Additional highlights include a sauna with a view, paid solar, an oversized 2-car garage, extra-wide carport, laundry room with utility sink, large finished attic storage area, tile roof, and landscaped grounds with numerous fruit trees. Enjoy peaceful country living with no HOA and convenient access to Highways 76 and 15!
Mortgage Calculator
Est. Monthly Payment
$8,818
Location
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Zoned Schools
Elementary
Fallbrook STEM Academy · grades K-6 · Fallbrook Union Elementary
Middle
James E. Potter Intermediate · grades 7-8 · Fallbrook Union Elementary
High
Fallbrook High · grades 9-12 · Fallbrook Union High
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
$5,132
Comp Average
$5,526
1094 Hillcrest View Lane
4bd / 4ba · 3,657 sqft · Single Family
$1.30M
Est. $6,006/mo
3550 Laketree Drive
4bd / 4ba · 3,575 sqft · Single Family
$1.30M
Est. $5,776/mo
1645 Loch Ness Drive
4bd / 3.5ba · 3,610 sqft · Single Family
$1.30M
Est. $5,691/mo
1841 Tecalote Drive
4bd / 3ba · 3,312 sqft · Single Family
$1.24M
Est. $5,048/mo
3862 Flowerwood Lane
4bd / 3.5ba · 3,540 sqft · Single Family
$1.38M
Est. $5,108/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
4 leases of 4-bed houses in 92028 · $4,716–$5,790
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,945/mo short at 20% down; 87% down or +$7,721/mo rent closes it.
- Break-even price
- $517,055
- Break-even rent
- $12,853/mo
- Cashflow at 35% down
- −$4,606/mo
- Down payment to break even
- 87%
- Rate to break even
- Not reachable
60% under asking
$7,721/mo above the estimate
$1,126,650 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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