637 Sparta Drive
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637 Sparta Drive #A & B

D

Encinitas, CA 92024

$2,795,000

Soft Appraisal Value: $2,700,200 · 3.5% above estimate

Beds

4

Baths

4

Sqft

2,051

Year Built

1959

Days on Market

49

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2603184

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

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About This Property

Your oasis awaits! This immaculate 1-story + ADU charmer features a stunningly remodeled 3-bed, 3-ba main home plus a detached, sleek & stylish 1-bed, 1-ba ADU. Both delivered in true turnkey condition & ready for immediate enjoyment. A partial list of impressive upgrades includes: complete re-plumb, full electrical rewire to a 200-amp panel, new forced-air heating, gutters, windows, stucco, flooring, whole-house water filtration & much more. Ample parking is a highlight, with a minimum of 8 dedicated spaces. No HOA. No Mello-Roos. Together, the homes provide flexible living space ideal for multigenerational families, guests, or supplemental income—all while preserving excellent privacy. The private yard showcases beautiful, vibrant landscaping perfect for peaceful mornings or lively entertaining with family and friends. With no stairs to navigate & a serene, low-maintenance setup, this rare Encinitas gem makes everyday living feel like a daily retreat. Welcome home to your private oasis!

Mortgage Calculator

Est. Monthly Payment

$17,743

Principal & Interest$14,133
Property Tax$2,795
Insurance$815
%($559,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$6,337
Monthly Cashflow

Rent − PITIA

$-11,406
Full Cashflow

Incl. vacancy, PM, maint, capex

$-15,193

Mortgage (P+I)
$14,133
Cap Rate
-0.45%
Cash-on-Cash
-32.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.36
Break-even Rent
$26,068

NOI (Annual)
$-12,716
Price-to-Rent

Lower = better for investors

36.8

* 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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