661 Union
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661 Union

D

Encinitas, CA 92024

$3,200,000

Soft Appraisal Value: $3,103,700 · 3.1% above estimate

Beds

4

Baths

4

Sqft

3,425

Year Built

1987

Days on Market

47

Property Type

Single Family

HOA/mo

N/A

MLS ID

260008519SD

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

Virtual Tour

About This Property

An amazing opportunity to own a truly special, one-of-a-kind home set on nearly an acre of beautifully maintained land. From the moment you enter, you’re welcomed by stunning vaulted beamed ceilings, rich wood flooring, and two charming brick fireplaces that create a warm and inviting atmosphere. The main floor features a spacious primary bedroom with an ensuite bath complete with a walk-in shower and double sinks, while two additional bedrooms down the hall share a well-appointed full bath. The family room flows effortlessly off the formal dining room and showcases unique architectural details that add character and charm. The lower level is an entertainer’s dream, offering a custom bar, wine cellar, sunroom, and an enclosed outdoor patio perfect for year-round enjoyment. Meander outside and explore the incredible grounds, filled with mature fruit trees and lush grassy areas that provide both beauty and privacy. This property also includes an attached three-car garage, a detached two-car garage/barn/workshop, both providing abundant storage throughout. Experience the best of beach living in a prime location in Encinitas, just minutes from North County’s stunning beaches, Lazy Acres, Breweries, downtown Encinitas, and Fox Point Farms, all within highly desirable school districts. This is a rare find that combines space, character, and location—don’t miss your chance to make it yours!

Mortgage Calculator

Est. Monthly Payment

$20,314

Principal & Interest$16,181
Property Tax$3,200
Insurance$933
%($640,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,686
Monthly Cashflow

Rent − PITIA

$-12,628
Full Cashflow

Incl. vacancy, PM, maint, capex

$-17,062

Mortgage (P+I)
$16,181
Cap Rate
-0.33%
Cash-on-Cash
-31.99%
DSCR

Need ≥ 1.25 for DSCR loan

0.38
Break-even Rent
$29,845

NOI (Annual)
$-10,577
Price-to-Rent

Lower = better for investors

34.7

* 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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