635 Via Santa Cruz
1 / 20

635 Via Santa Cruz

D

Vista, CA 92081

$645,000
NEW — 1d on market

Soft Appraisal Value: $639,800 · 0.8% above estimate

Beds

3

Baths

2

Sqft

1,867

Year Built

1989

Days on Market

1

Property Type

Manufactured

HOA/mo

$110

MLS ID

NDP2603588

This property is in Vista (92081). View neighborhood stats →

Virtual Tour

About This Property

Amazing home in Vista Del Mar 55+ community with 2 car garage AND no space rent as you own the land! Spacious open floorplan with luxury vinyl flooring, plantation shutters, ceiling fans, large living/dining room and family room with french doors leading to your outdoor entertaining area. Also open to ample size kitchen w/tons of storage cabinets, beautiful honey gold granite counters, SS appliances, DOUBLE OVEN, eating nook (french door refrigerator stays). Large primary suite with 3 closets so lots of storage, walk-in shower and extra linen cabinets, dual sinks & granite countertop. Hall bath has granite counter and shower/tub. Extra-large laundry room with utility sink & lots of cabinets (washer/dryer stays). Enjoy your covered outdoor space, plenty of room for entertaining which also flows indoors, stamped concrete & storage shed attached. LOW HOA with resort amenities including clubhouse, pool, spa, gym, pickleball & tennis courts, fitness center, library & RV/boat parking. A diamond close to beaches & restaurants and EZ fwy access.

Mortgage Calculator

Est. Monthly Payment

$4,205

Principal & Interest$3,261
Property Tax$645
Insurance$188
HOA$110
%($129,000)
%

Location

Loading map...

Investment Score

6D
Est. Monthly Rent
$3,270
Monthly Cashflow

Rent − PITIA

$-934
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,224

Mortgage (P+I)
$3,261
Cap Rate
1.93%
Cash-on-Cash
-20.69%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.78
Break-even Rent
$6,158

NOI (Annual)
$12,449
Price-to-Rent

Lower = better for investors

16.4

* 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.

Get Expert AnalysisOpen Full Calculator