441 Rancho Santa Fe Rd

441 Rancho Santa Fe Rd

D

Encinitas, CA 92024

$3,000,000
NEW — 0d on market

Soft Appraisal Value: $2,893,900 · 3.7% above estimate

Beds

5

Baths

4

Sqft

3,395

Year Built

2012

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2602451

View on MLS

Description

Located in the heart of historic Olivenhain and neighboring the iconic Olivenhain Meeting Hall, this distinctive property offers 2,819 sq ft of main living space plus a 576 sq ft detached flex structure, totaling approximately 3,395 sq ft of usable living and creative space on a private 0.58-acre lot with sweeping east-facing mountain and hillside views toward the Rancho Santa Fe countryside. The main residence features 5 bedrooms and 5 bathrooms, with expansive interiors designed for both everyday comfort and effortless entertaining. Inside, you’ll find wide-plank flooring, generous natural light, and spacious living areas that create a warm yet open feel throughout. The kitchen showcases granite counter tops, a gas cook top island, stainless steel appliances, a built-in wall oven and microwave, dishwasher, and abundant custom cabinetry, flowing seamlessly into the home’s primary gathering spaces. The kitchen opens directly to the main living area and out to the backyard, creating a natural indoor-outdoor connection ideal for entertaining. The over sized primary suite offers a peaceful retreat with ample room, a large walk-in closet, dual vanities, a soaking tub, and separate shower. A unique feature of the home includes an attached fifth bedroom with its own private exterior entrance and direct access to the kitchen, offering flexibility for guests, extended family, or a private office setup. A standout element of the property is the detached flex structure, offering exceptional versatility as a studio, office, guest retreat, creative workspace, or private lounge, complete with independent access from the property’s main gate. Set on 0.58 acres, the grounds provide rare usable land for RV parking, boat storage, guest parking, and outdoor entertaining, including a fire pit area and built-in BBQ with mini fridge, all positioned to take advantage of the surrounding mountain views. The property also offers potential ADU opportunities (buyer to verify), features increasingly difficult to find within Encinitas. The property includes an existing horse stable and offers potential for equestrian and small livestock use, including horses, pigs, and chickens (buyer to verify). Thoughtfully oriented to capture natural light and hillside breezes, the home benefits from an energy-conscious design that enhances comfort and efficiency year-round. Ideally positioned with convenient access to Interstate 5, key North County connectors, Lake Hodges trails, Rancho Santa Fe, and the beaches, dining, and coastal lifestyle of Encinitas, the property offers a compelling balance of space, privacy, and accessibility. Located within the highly regarded Encinitas Union and San Dieguito Union High School Districts. Tenant-occupied with lease in place through June. Exterior painting and touch-ups to be completed prior to close of escrow. Showings by appointment only. Do not disturb tenants.

Mortgage Calculator

Est. Monthly Payment

$19,045

Principal & Interest$15,170
Property Tax$3,000
Insurance$875
%($600,000)
%

Investment Score

0D
Est. Monthly Rent
$7,685
Monthly Cashflow

Rent − PITIA

$-11,360
Full Cashflow

Incl. vacancy, PM, maint, capex

$-15,627

Mortgage (P+I)
$15,170
Cap Rate
-0.18%
Cash-on-Cash
-31.25%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.40
Break-even Rent
$27,980

NOI (Annual)
$-5,491
Price-to-Rent

Lower = better for investors

32.5

* 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.

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