4057 Ladera
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4057 Ladera

Ctop 80%

Fallbrook, CA 92028

$1,295,000

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 →

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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

Principal & Interest$7,145
Property Tax$1,295
Insurance$378
%($259,000)
%
Loan Term

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.

Investment Score

13C
Est. Monthly Rent
$5,132

4 leases of 4-bed houses in 92028 · $4,716–$5,790

Monthly Cashflow

Rent − PITIA

-$3,686
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,945

What would make this work?

$5,945/mo short at 20% down; 87% down or +$7,721/mo rent closes it.

Break-even price

60% under asking

$517,055
Break-even rent

$7,721/mo above the estimate

$12,853/mo
Cashflow at 35% down
−$4,606/mo
Down payment to break even

$1,126,650 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,145
Cap Rate
1.35%
Cash-on-Cash
-27.55%
DSCR

Need ≥ 1.25 for DSCR loan

0.58

NOI (Annual)
$17,473
Price-to-Rent

Lower = better for investors

21.0

* 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−$5,945/mo