441 Rancho Santa Fe Rd
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441 Rancho Santa Fe Rd

D

Encinitas, CA 92024

$2,915,000
NEW — 0d

Beds

5

Baths

4

Sqft

3,395

Year Built

2012

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2604538

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

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About This Property

Tucked behind the charm and rolling hills of historic Olivenhain, this private estate offers a rare combination of panoramic countryside views, usable land, and versatile living just minutes from the coast. Set on approximately 0.58 acres with sweeping east-facing outlooks toward the Rancho Santa Fe countryside, the estate captures sunrise light, rolling hills, and an incredible sense of openness from nearly every angle of the property. There’s a calmness here. Space. Air. Privacy. The kind of setting people move to Olivenhain hoping to find—but rarely do. The property offers approximately 3,395 sq ft of total living and flex space, including a 4-bedroom, 4 bath main residence and a detached 576 sq ft guest structure with its own private gated access. And that detached space changes the game. Whether you envision a luxury guest house, executive office, creative studio, wellness retreat, multigenerational setup, or future income-producing ADU opportunity, it gives the estate a true compound feel with a level of versatility rarely available in this market. Inside, the home blends warmth and scale with a layout designed for both everyday living and elevated entertaining. The kitchen anchors the main living areas with granite countertops, a gas cooktop island, stainless steel appliances, built-in wall oven and microwave, extensive cabinetry, and seamless flow to the surrounding indoor-outdoor spaces. Outside is where the property separates itself completely. The grounds are expansive, usable, and designed for lifestyle. Multiple outdoor entertaining areas take full advantage of the surrounding outlooks and coastal breezes, while the built-in BBQ, mini fridge, fire pit lounge, and open gathering spaces create an environment equally suited for quiet mornings or large-scale entertaining. The property also offers rare flexibility for RV parking, boat storage, guest overflow, and future expansion opportunities, including additional ADU potential (buyer to verify). And while the setting feels private and tucked away, you’re still moments from Rancho Santa Fe, Encinitas beaches, Lake Hodges trails, top-rated schools, shopping, dining, and direct access to Interstate 5. This isn’t just another home in North County. It’s land, lifestyle, flexibility, and long-term value in one of Southern California’s most sought-after communities. Seller willing to consider a 2-1 rate buy down for the right offer, creating a compelling opportunity to secure a premier Olivenhain estate with enhanced financing flexibility.

Mortgage Calculator

Est. Monthly Payment

$18,505

Principal & Interest$14,740
Property Tax$2,915
Insurance$850
%($583,000)
%

Location

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Investment Score

7D
Est. Monthly Rent
$10,203
Monthly Cashflow

Rent − PITIA

$-8,302
Full Cashflow

Incl. vacancy, PM, maint, capex

$-13,078

Mortgage (P+I)
$14,740
Cap Rate
0.68%
Cash-on-Cash
-26.92%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$27,187

NOI (Annual)
$19,946
Price-to-Rent

Lower = better for investors

23.8

* 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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