Ranch home in Santa Barbara, CA
A Ranch home in Santa Barbara, CA, it offers 4 bedrooms and 4 bathrooms across 2,120 square feet. Its Ranch character defines the property's look.
| Price | $2,699,000 |
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| Beds | 4 |
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| Baths | 4 |
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| Sqft | 2120 |
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| Architectural style | Ranch (61% match) |
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| Address | 1357 Rialto Ln, Santa Barbara, CA 93105 |
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Why buy this home
- Confirmed Ranch architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced above comparable homes.
- At $2.7M, this home is 48% above the $1.8M median for 56 similar Ranch homes in Santa Barbara, CA.
- That works out to $1273 per square foot, 12% above the $1132 comparable rate.
- On the market 44 days.
| This home | $2,699,000 |
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| Ranch median in Santa Barbara, CA | $1,825,000 (56 homes) |
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| Price per sq ft | $1,273 vs. $1,132 comps median |
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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 $18,485/month with 20% down at a 7.28% 30-year fixed rate. You would need about $792,199 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $14,774/mo |
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| Property tax (new-buyer reassessed rate) | $2,699/mo |
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| Homeowners insurance | $1,012/mo |
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| Total monthly | $18,485/mo |
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| Down payment (20%) | $539,800 |
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| Income needed | $792,199/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- (68 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- (68/100) |
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| Beats renting in | 20% of modeled paths |
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| Modeled 5-yr equity (median) | $1,465,802 |
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| Range (10th to 90th pct) | $945,229 to $2,135,858 |
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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 Zillow