521 Rancho Camino

521 Rancho Camino

Ctop 80%

Fallbrook, CA 92028

$1,899,900
NEW — 0d

Pass at asking: -$10,385/mo full cashflow at 20% down, 7.49% rate.

Works at $553,505 (71% under asking), or at 99% down.

Rent $5,544/mo from 4 leases of 4-bed houses in 92028 ($5,095–$6,255).

Beds

4

Baths

3

Sqft

4,170

Year Built

2002

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026122SD

This property is in Fallbrook (92028). Browse neighborhood analytics →

About This Property

Set behind a private gate at the end of a winding drive, 521 Rancho Camino unfolds gradually. Perched across approximately three acres with sweeping mountain and valley views, the setting is defined by mature trees, citrus groves, open skies, and a kind of quiet that is becoming increasingly rare. Redesigned with modernized finishes throughout, the home pairs ranch-inspired architecture with contemporary design and an easy connection to the outdoors. Vaulted, wood-beam ceilings create volume and openness, while expansive bifold doors extend the living spaces outward to a 1,000+ sf entertaining deck overlooking the pool and surrounding hillsides. Designed with a main-level living experience in mind, the home flows naturally between the kitchen, dining, and living spaces. At the center of it all, the kitchen was designed for gathering -- featuring an oversized island, updated appliances, and connection to the surrounding entertaining areas. Just beyond, a dedicated media room with a wet bar and wine refrigerator offers a more intimate space to unwind or host guests. Positioned on its own wing, the primary suite welcomes in soft morning light through French doors and opens directly to a deck overlooking the mountains. The spa-inspired bath features a seamless entry shower, soaking tub and walk-in closet. Outside, the property continues to reveal itself through multiple seating areas, a built-in barbecue, pool and spa positioned toward the views, and an outdoor red light sauna thoughtfully placed to take in the surrounding landscape. The remodeled guest house, barn/workshop, horse-friendly grounds, solar, dual-zone heating and cooling add both flexibility and functionality to the property. Located in South Fallbrook with convenient access to Highway 76 and the coast beyond, 521 Rancho Camino offers a lifestyle centered around space, privacy, and a slower pace of living. No HOA!

Mortgage Calculator

Est. Monthly Payment

$13,071

Principal & Interest$10,617
Property Tax$1,900
Insurance$554
%($379,980)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Fallbrook STEM Academy · grades K-6 · Fallbrook Union Elementary

  • Middle

    James E. Potter Intermediate · grades 7-8 · Fallbrook Union Elementary

  • High

    Fallbrook High · grades 9-12 · Fallbrook Union High

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

3C
Est. Monthly Rent
$5,544

4 leases of 4-bed houses in 92028 · $5,095–$6,255

Monthly Cashflow

Rent − PITIA

-$7,527
Full Cashflow

Incl. vacancy, PM, maint, capex

-$10,385

What would make this work?

$10,385/mo short at 20% down; 99% down or +$13,487/mo rent closes it.

Break-even price

71% under asking

$553,505
Break-even rent

$13,487/mo above the estimate

$19,031/mo
Cashflow at 35% down
−$8,395/mo
Down payment to break even

$1,880,901 cash

99%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$10,617
Cap Rate
0.32%
Cash-on-Cash
-32.80%
DSCR

Need ≥ 1.25 for DSCR loan

0.42

NOI (Annual)
$6,107
Price-to-Rent

Lower = better for investors

28.6

* Modelled at 20% down, 7.49% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

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

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CCashflow−$10,385/mo