home in Encinitas, CA
This home in Encinitas, CA offers 5 bedrooms and 4.5 bathrooms across 4,482 square feet.
| Price | $4,295,000 |
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| Beds | 5 |
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| Baths | 4.5 |
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| Sqft | 4482 |
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| Address | 3448 Bumann Rd, Encinitas, CA 92024 |
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Why buy this home
- Links directly to the original source listing on Trulia.
Is this a good buy?
Priced in line with the area.
Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $29,415/month with 20% down at a 7.28% 30-year fixed rate. You would need about $1,260,650 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $23,510/mo |
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| Property tax (new-buyer reassessed rate) | $4,295/mo |
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| Homeowners insurance | $1,611/mo |
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| Total monthly | $29,415/mo |
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| Down payment (20%) | $859,000 |
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| Income needed | $1,260,650/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B+ (75 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B+ (75/100) |
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| Beats renting in | 35% of modeled paths |
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| Modeled 5-yr equity (median) | $2,673,839 |
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| Range (10th to 90th pct) | $1,744,990 to $3,791,602 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward US where local data is thin.
Local home values
Typical home values in United States have risen about 20% over the past 5 years (+1% in the last year), per the Zillow Home Value Index. This reflects the national market, not this specific home.
View this home on Trulia