710 Civic Center Drive
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710 Civic Center Drive

Ctop 80%

Vista, CA 92084

$729,000

Pass at asking: -$3,339/mo full cashflow at 20% down, 7.36% rate.

Works at $292,118 (60% under asking), or at 87% down.

Rent $2,899/mo from 9 leases of 1–3 bed houses within 2 mi ($2,670–$3,061).

Beds

2

Baths

1

Sqft

915

Year Built

1953

Days on Market

61

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2608571

This property is in Vista (92084). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to 710 Civic Center Drive — a 2-bedroom, 1-bath single-story home on a remarkable 13,560 sq ft lot in the heart of Vista, delivered vacant at closing so you can move in on day one. At 915 sq ft, the home lives easy and efficient, with a private laundry unit just outside the back door. What truly sets this property apart is the land: nearly a third of an acre leaves generous room behind the house for an ADU, a workshop, a garden, or a future build — rare for a parcel this central. Flexible M-U (Mixed-Use) zoning opens options well beyond the average residential lot; buyer to verify all uses and ADU potential with the City of Vista. Minutes from downtown Vista's restaurants, breweries, and weekly farmers market, with quick access to Highway 78 and the Sprinter line. Move in as-is, add on, or hold and build — a home that works today and rewards vision tomorrow. Come see the possibilities.

Mortgage Calculator

Est. Monthly Payment

$4,964

Principal & Interest$4,022
Property Tax$729
Insurance$213
%($145,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Foothill Oak Elementary · grades K-5 · Vista Unified

  • Middle

    Roosevelt Middle · grades 6-8 · Vista Unified

  • High

    Vista High · grades 9-12 · Vista Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

30C
Est. Monthly Rent
$2,899

9 leases of 1–3 bed houses within 2 mi · $2,670–$3,061

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,065
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,339

What would make this work?

$3,339/mo short at 20% down; 87% down or +$4,337/mo rent closes it.

Break-even price

60% under asking

$292,118
Break-even rent

$4,337/mo above the estimate

$7,236/mo
Cashflow at 35% down
−$2,585/mo
Down payment to break even

$634,230 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,022
Cap Rate
1.36%
Cash-on-Cash
-27.48%
DSCR

Need ≥ 1.25 for DSCR loan

0.58

NOI (Annual)
$9,932
Price-to-Rent

Lower = better for investors

21.0

* Modelled at 20% down, 7.36% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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CCashflow−$3,339/mo