431 Richland Rd

431 Richland Rd

D

San Marcos, CA 92069

$939,000

Soft Appraisal Value: $929,100 · 1.1% above estimate

Beds

3

Baths

2

Sqft

1,782

Year Built

1973

Days on Market

17

Property Type

Single Family

HOA/mo

N/A

MLS ID

260006576SD

View on MLS

Description

Nestled in a quiet, family-friendly pocket of San Marcos, this thoughtfully updated single-story home offers a blend of space, comfort, and everyday functionality. Set on a spacious and fully usable 0.25-acre lot, the property provides privacy and outdoor versatility in a well established San Marcos neighborhood. The home features an open layout connecting the kitchen, dining, and living areas—creating an inviting space for both daily living and entertaining. The remodeled kitchen is designed with both style and practicality in mind, complete with quartz countertops, modern cabinetry, stainless steel appliances, and a large center island. Bathrooms have been tastefully updated with clean, modern finishes, complementing the home’s refreshed interior. LVP flooring, recessed lighting, and neutral design elements carry throughout, creating a cohesive and move-in ready environment. Recent upgrades include updated electrical, plumbing improvements, and AC. The backyard offers a private outdoor retreat with a resurfaced pool and ample space for entertaining, relaxing, or future use. Located near great schools, shopping, dining, and with convenient access to Highway 78 and I-15, this home offers a balanced North County lifestyle.

Mortgage Calculator

Est. Monthly Payment

$5,961

Principal & Interest$4,748
Property Tax$939
Insurance$274
%($187,800)
%

Investment Score

4D
Est. Monthly Rent
$4,011
Monthly Cashflow

Rent − PITIA

$-1,950
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,655

Mortgage (P+I)
$4,748
Cap Rate
1.40%
Cash-on-Cash
-23.36%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.67
Break-even Rent
$8,758

NOI (Annual)
$13,116
Price-to-Rent

Lower = better for investors

19.5

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Get Expert AnalysisOpen Full Calculator