441 Rancho Santa Fe Rd
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441 Rancho Santa Fe Rd

C

Encinitas, CA 92024

$2,893,500

Soft Appraisal Value: $2,792,400 · 3.6% above estimate

Beds

5

Baths

4

Sqft

3,395

Year Built

2012

Days on Market

45

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2604538

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

Virtual Tour

About This Property

Private Showings 6-26 2pm-4pm call for appointment. Seller may consider a 2-1 rate buydown for qualified buyers, providing the opportunity for reduced monthly payments during the first two years of ownership. Nestled in the rolling hills of Olivenhain, this private estate offers panoramic countryside views, usable land, and exceptional versatility just minutes from the coast. Situated on approximately 0.58 acres, the property enjoys sweeping east-facing views across the Rancho Santa Fe countryside, capturing stunning sunrises, rolling hills, and a rare sense of privacy that feels worlds away while remaining close to everything. Spanning approximately 3,395 square feet, the property includes a 3-bedroom, 3-bath main residence and a detached 576-square-foot guest structure with its own gated access and two additional bedrooms. Whether you're seeking multigenerational living, guest accommodations, a private office, creative studio, wellness retreat, or exploring future ADU potential (buyer to verify), the possibilities are extensive. Inside, the spacious floor plan blends comfort and functionality. The kitchen features granite countertops, a gas cooktop island, stainless steel appliances, a built-in oven and microwave, abundant cabinetry, and seamless access to the surrounding outdoor living spaces designed for effortless indoor-outdoor living. The outdoor experience is where this property truly shines. Multiple entertaining areas, a built-in BBQ, mini fridge, fire pit lounge, and expansive usable grounds create the perfect setting for gatherings both large and small. With room for RV parking, boat storage, guest parking, and future expansion possibilities, the property offers flexibility rarely found this close to the coast. Despite its peaceful setting, the home is conveniently located just minutes from Rancho Santa Fe, Encinitas beaches, Lake Hodges trails, top-rated schools, shopping, dining, and easy access to Interstate 5. A rare opportunity to own a private Olivenhain estate that combines breathtaking views, flexible living options, usable acreage, and the coveted North County lifestyle buyers are searching for.

Mortgage Calculator

Est. Monthly Payment

$18,369

Principal & Interest$14,631
Property Tax$2,894
Insurance$844
%($578,700)
%

Location

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Investment Score

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

Rent − PITIA

$-10,684
Full Cashflow

Incl. vacancy, PM, maint, capex

$-14,862

Mortgage (P+I)
$14,631
Cap Rate
-0.10%
Cash-on-Cash
-30.82%
DSCR

Need ≥ 1.25 for DSCR loan

0.42
Break-even Rent
$26,987

NOI (Annual)
$-2,776
Price-to-Rent

Lower = better for investors

31.4

* 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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