634 Via Santa Cruz

634 Via Santa Cruz

D

Vista, CA 92081

$599,000

Soft Appraisal Value: $597,400 · 0.3% above estimate

Beds

2

Baths

2

Sqft

1,445

Year Built

1986

Days on Market

69

Property Type

Single Family

HOA/mo

$110

MLS ID

NDP2600316

Description

SINGLE-STORY Spanish-style SINGLE FAMILY HOME, not manufactured, land owned. This beautiful 55+ Vista Del Mar community is a retirement dream. Fantastic location with Low HOA, $110 monthly, NO SPACE RENT! This inviting open floor plan welcomes you through striking double entry doors into a light-filled living room and formal dining area. The kitchen is appointed with stainless steel appliances, abundant cabinetry, and flows seamlessly into the main living areas. The well-designed layout features two generously sized en-suite bedrooms thoughtfully separated for maximum privacy, along with a versatile office complete with a closet—ideal for use as a home office, library, guest space, or hobby room. The spacious primary suite serves as a peaceful retreat, highlighted by an ADA-accessible en-suite bathroom and ample closet space. A large secondary en-suite bedroom is conveniently located on the opposite end of the home, providing comfort and privacy for visitors. Additional features include a Lennox air conditioning system, an attached two-car garage with plenty of storage, and a beautifully maintained, low-maintenance backyard with mature fruit trees. The covered backyard patio offers an ideal space for outdoor dining, relaxation, and entertaining in a serene environment. Residents of Vista Del Mar enjoy resort-style amenities, including a sparkling pool and spa, clubhouse, recreation and card rooms, tennis and pickleball courts, RV parking, and a vibrant calendar of social activities monthly. Ideally located near hospitals, grocery stores, restaurants, shopping, and with convenient access to Highway 78, this home delivers the perfect balance of lifestyle, location, and ease of living. A truly rare offering in a premier retirement community—this refined home is not to be missed.

Mortgage Calculator

Est. Monthly Payment

$3,913

Principal & Interest$3,029
Property Tax$599
Insurance$175
HOA$110
%($119,800)
%

Investment Score

21D
Est. Monthly Rent
$3,220
Monthly Cashflow

Rent − PITI − HOA

$-693
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,933

Mortgage (P+I)
$3,029
Cap Rate
2.20%
Cash-on-Cash
-6.94%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.82
Break-even Rent
$3,913

NOI (Annual)
$13,155
Price-to-Rent

Lower = better for investors

15.5

* 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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