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$3,945,000

For Sale - Active
521 Latigo Row, Encinitas, CA 92024
5 Beds
5 Baths
5,513 Square Feet
0.00 Acres Lot
Built in 2000
For Sale - Active
Units n/a
Checked: 14 hours ago
Updated: Oct 16, 2025 at 10:05AM

Investment Summary


Potential Missing Expenses

We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.

Monthly Cash Flow
-$12,578
Cap Rate
1.9%
Cash-on-Cash Return
-16.6%
Debt Coverage Ratio
0.33
Internal Rate of Return (5 years)
-12.1%

Property Description


0.00 Acres Lot
Built in 2000
For Sale - Active
Units n/a

Stunning and serene, this lush two-acre estate is nestled at the end of a private cul-de-sac in Knightsbridge Country Estates, one of Olivenhain’s most prestigious gated communities. With sweeping southwest views, this 5,500 sq ft sanctuary blends classic architecture, luxury finishes, and flexible living areas designed for both entertaining and everyday comfort. This home embodies quiet luxury with timeless materials, refined design, and purposeful spaces that balance elegance with comfort, creating a tranquil retreat rooted in authenticity. (see supp) A dramatic dual staircase entry sets the tone for the interiors, opening into a soaring, light-filled living room framed by expansive windows that highlight the home’s southern exposure and unobstructed views. The main level includes a guest bedroom with private entrance and full bath, ideal for multigenerational living or a home office, along with formal living and dining areas, a family room, and a custom wine room. The gourmet kitchen features stainless steel appliances, a large center island, and a butler’s pantry, flowing seamlessly into the family room and outdoor BBQ area. Upstairs, the primary suite boasts a private balcony, walk-in closet, and a luxurious dual-sided bath. Three additional bedrooms and a flexible bonus room complete the upper level. Resort-style amenities include a sparkling pool, two detached studio/gym structures, an oversized four-car garage, owned solar, and full city services (sewer, water, streets)

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Location


Property Details


Parking

  • Description: Driveway
  • Details: Garage Door Opener, Attached
  • Garage Spaces: 4
  • Spaces Total: 10

Bedroom Information

  • # of Bedrooms: 5

Bathroom Information

  • # of Baths (Full): 4
  • # of Baths (Total): 5.0

Interior Features

  • # of Stories: 2
  • Fireplace: Yes

Exterior Features

  • Roof Material: Composition
  • Pool: Yes

HOA

  • Has HOA: Yes
  • Association: Mauzy Management
  • HOA Fee: $188/monthly

Land Information

  • Land Use: Residential
  • Land Use Subtype: Single Family Residential

Lot Information

  • Parcel ID: 2643901800
  • Lot Size: 0 sqft

Property Information

  • Property Type: Single Family Residence
  • Year Built: 2000

Tax Information

  • Annual Tax: $0

Utilities

  • Heating: Forced Air, Zoned, Natural Gas
  • Cooling: Zoned, Central Air

Location

  • County: San Diego

Listing Details


Listed by:
Maria Y Tomcek Ginsburg
Berkshire Hathaway HomeServices California Properties
(858) 775-1234

Source:
San Diego MLS
MLS#: 250029259
San Diego MLS

Investment Summary


Potential Missing Expenses

We noticed that property taxes are missing—this is a standard expense and should be considered in your estimate.

Monthly Cash Flow
-$12,578
Cap Rate
1.9%
Cash-on-Cash Return
-16.6%
Debt Coverage Ratio
0.33
Internal Rate of Return (5 years)
-12.1%

Purchase Details

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Purchase price:
$3,945,000
Amount financed:
-$3,156,000
Down payment:
$789,000
Closing costs:
$118,350
Rehab costs:
$0
Initial cash invested:
$907,350
Square feet:
5,513
Cost per square foot:
$716
Monthly rent per square foot:
$1.65

Financing Details

Find a Lender

Loan amount:
$3,156,000
Loan to value ratio:
80.0%
Loan type:
Amortizing
Term:
30 years
Interest rate:
5.875%
Principal & interest:
$18,669
Property tax:
$0
Insurance:
$637
Private mortgage insurance (PMI):
$0
Monthly payment:
$19,306

Operating Income

Find a Property Manager

% Rent Monthly Yearly
Gross rent:
$9,100 $109,200
Vacancy loss: (6%)
6% -$546 -$6,552
Operating income:
$8,554 $102,648

Operating Expenses


% Rent Monthly Yearly
Property taxes: (n/a)
n/an/an/a
Insurance: (7%)
7%-$637-$7,644
Property management: (8%)
8%-$728-$8,736
Repairs & maintenance: (5%)
5%-$455-$5,460
Capital expenditures: (5%)
5%-$455-$5,460
HOA fees: (2%)
2%-$188-$2,256
Total operating expenses: (27%)
27%-$2,463-$29,556

Cash Flow


Monthly Yearly
Net operating income:
$6,091 $73,092
Mortgage payments:
-$18,669 -$224,028
Cash flow:
-$12,578 -$150,936