522 Trailridge
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522 Trailridge

Ctop 80%

Bonita, CA 91902

$1,649,900
NEW — 0d

Pass at asking: -$8,369/mo full cashflow at 20% down, 7.49% rate.

Works at $564,794 (66% under asking), or at 93% down.

Rent $5,658/mo from 15 leases of 4-bed houses within 2 mi ($5,065–$5,750).

Beds

4

Baths

2.5

Sqft

2,766

Year Built

1988

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260025094SD

This property is in Bonita (91902). Browse neighborhood analytics →

About This Property

LARGE CANYON VIEW LOT.PAID-OFF SOLAR. REMODELED & MOVE IN READY. NO HOA OR MELLO ROOS! Modern Elegance Meets Resort Style Living in Bonita Long Canyon Estates! Tucked away at the end of a peaceful cul de sac, this beautifully remodeled residence combines contemporary design, scenic views, and exceptional versatility. Situated on a spacious canyon-view lot with horse zoning and room for a potential ADU or workshop, this property offers endless possibilities! From the moment you arrive, the home’s contemporary architecture, smooth stucco exterior, and thoughtfully curated finishes make a striking impression. Inside, custom solid white oak stairs, sleek glass balustrades, and brushed stainless-steel railings create a dramatic architectural statement. Porcelain tile flooring flows throughout the main level, leading to a light-filled, open-concept kitchen featuring custom cabinetry, quartz countertops, and an inviting layout perfect for entertaining. Step outside to your own private resort inspired retreat! A stunning PebbleTec pool with a Baja shelf sets the stage for sun-soaked afternoons and memorable gatherings, while the expansive backyard offers beautiful canyon views and additional space to bring your vision to life. The spacious side yard offers potential for drive-through access, RV parking, boat storage, or additional vehicle parking. Upstairs, rich solid white oak flooring adds warmth and sophistication. The primary suite features a spa-inspired bathroom, oversized custom walk in closet, and private balcony showcasing captivating hillside and mountain views. Additional highlights include a three car garage, fully paid off solar, three solar-powered roof exhaust fans, triple-pane windows, vinyl fencing, water softener system, and zone-controlled surround sound. Enjoy peaceful cul-de-sac living, nearby horse and hiking trails, and the freedom of NO HOA OR MELLO-ROOS! A rare opportunity to enjoy luxury, privacy, and resort-style living with the space and flexibility to make it your own!

Mortgage Calculator

Est. Monthly Payment

$11,351

Principal & Interest$9,220
Property Tax$1,650
Insurance$481
%($329,980)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Tiffany (Burton C.) Elementary · grades K-6 · Chula Vista Elementary

  • Middle

    Bonita Vista Middle · grades 7-8 · Sweetwater Union High

  • High

    Bonita Vista Senior High · grades 9-12 · Sweetwater 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

8C
Est. Monthly Rent
$5,658

15 leases of 4-bed houses within 2 mi · $5,065–$5,750

Blended 50/50 with the zip's market median ($5,918)

Monthly Cashflow

Rent − PITIA

-$5,693
Full Cashflow

Incl. vacancy, PM, maint, capex

-$8,369

What would make this work?

$8,369/mo short at 20% down; 93% down or +$10,869/mo rent closes it.

Break-even price

66% under asking

$564,794
Break-even rent

$10,869/mo above the estimate

$16,527/mo
Cashflow at 35% down
−$6,640/mo
Down payment to break even

$1,534,407 cash

93%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$9,220
Cap Rate
0.82%
Cash-on-Cash
-30.44%
DSCR

Need ≥ 1.25 for DSCR loan

0.50

NOI (Annual)
$13,605
Price-to-Rent

Lower = better for investors

24.3

* 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−$8,369/mo