661 Union
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661 Union

D

Encinitas, CA 92024

$3,100,000
NEW — 0d

Beds

4

Baths

4

Sqft

3,425

Year Built

1987

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260012874SD

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

About This Property

Nestled on nearly an acre of beautifully manicured grounds, this extraordinary Encinitas estate offers a rare blend of timeless character, expansive living, and coastal convenience. Discover a truly magical property filled with mature fruit trees, sprawling grassy areas, and serene outdoor spaces that offer exceptional privacy and tranquility. Car enthusiasts, hobbyists, and those in need of extra storage will appreciate the attached four-car garage along with a detached two-car garage, barn, and workshop. From the moment you step inside, soaring vaulted wood-beamed ceilings, rich hardwood flooring, and two classic brick fireplaces create an atmosphere that is both warm and unforgettable. The thoughtfully designed main level features a spacious primary suite complete with a luxurious ensuite bath showcasing dual vanities and a walk-in shower. Two additional bedrooms and a full bath are ideally situated down the hall, providing comfort and privacy for family or guests. The inviting family room flows seamlessly from the formal dining area and is highlighted by distinctive architectural details that add charm and personality throughout the home. Designed for both entertaining and everyday enjoyment, the lower level offers an impressive custom bar, wine cellar, sunroom, and enclosed outdoor patio — the perfect setting for gatherings in every season. Ideally located in the heart of Encinitas, this one-of-a-kind property places you just minutes from North County’s world-class beaches, downtown Encinitas, Lazy Acres, local breweries, and Fox Point Farms, all within highly sought-after school districts. Offering space, charm, and an unbeatable coastal lifestyle, this is a rare opportunity you won’t want to miss.

Mortgage Calculator

Est. Monthly Payment

$19,679

Principal & Interest$15,675
Property Tax$3,100
Insurance$904
%($620,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,646
Monthly Cashflow

Rent − PITIA

$-12,033
Full Cashflow

Incl. vacancy, PM, maint, capex

$-16,375

Mortgage (P+I)
$15,675
Cap Rate
-0.27%
Cash-on-Cash
-31.69%
DSCR

Need ≥ 1.25 for DSCR loan

0.39
Break-even Rent
$28,912

NOI (Annual)
$-8,399
Price-to-Rent

Lower = better for investors

33.8

* 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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