441 Rancho Santa Fe Rd
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441 Rancho Santa Fe Rd

D

Encinitas, CA 92024

$3,000,000
NEW — 2d

Soft Appraisal Value: $3,033,400 · 1.1% below estimate

Beds

5

Baths

4

Sqft

3,395

Year Built

2012

Days on Market

2

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2603591

This property is in Encinitas (92024). View neighborhood stats →

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About This Property

Located in the heart of historic Olivenhain, just moments from the iconic Olivenhain Meeting Hall, this distinctive estate presents a rare opportunity to secure usable land, privacy, and long-term upside on a premier 0.58-acre lot. Offering approximately 3,395 sq ft of total usable living and creative space—including a 2,819 sq ft main residence and a 576 sq ft detached flex structure—this property delivers both immediate functionality and future adaptability. The detached structure, with its own private access from the main gate, is ideally suited for a studio, executive office, guest retreat, or creative workspace. Set against sweeping east-facing mountain and hillside views toward the Rancho Santa Fe countryside, the home is thoughtfully positioned to capture natural light, coastal breezes, and a sense of openness rarely found this close to the coast. The main residence features 5 bedrooms and 5 bathrooms, with expansive interiors designed for both everyday living and refined entertaining. The kitchen is well-appointed with granite countertops, a gas cooktop island, stainless steel appliances, built-in wall oven and microwave, dishwasher, and abundant custom cabinetry, seamlessly connecting to the home’s primary living areas. The outdoor environment is where this property truly distinguishes itself. The usable 0.58-acre lot offers exceptional flexibility for RV and boat parking, guest accommodations, and outdoor entertaining, complete with a fire pit area and built-in BBQ with mini fridge. An existing horse stable supports equestrian and small livestock potential (buyer to verify), while the overall lot configuration presents meaningful opportunities for further enhancement, including potential ADU expansion (buyer to verify). Strategically located with convenient access to Interstate 5, Rancho Santa Fe, Lake Hodges trails, and the beaches, dining, and coastal lifestyle of Encinitas, the property balances privacy, accessibility, and long-term desirability. Situated within the highly regarded Encinitas Union and San Dieguito Union High School Districts.

Mortgage Calculator

Est. Monthly Payment

$19,045

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

Location

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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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