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441 Rancho Santa Fe Rd, Encinitas, CA, 92024

5beds
5baths
3,395sqft
$2,715,000
$800price/sqft
$17,377/moest. monthly cost
$695,080/yrincome needed

About This Home

Private showings Sunday 5/17 12-3 CALL or TEXT for APPOINTMENT Tucked behind the charm and rolling hills of historic Olivenhain, this private estate offers a rare combination of panoramic countryside views, usable land, and versatile living just minutes from the coast. Set on approximately 0.58 acres with sweeping east-facing outlooks toward the Rancho Santa Fe countryside, the estate captures sunrise light, rolling hills, and an incredible sense of openness from nearly every angle of the property. There’s a calmness here. Space. Air. Privacy. The kind of setting people move to Olivenhain hoping to find—but rarely do. The property offers approximately 3,395 sq ft of total living and flex space, including a 4-bedroom, 4 bath main residence and a detached 576 sq ft guest structure with its own private gated access. And that detached space changes the game. Whether you envision a luxury guest house, executive office, creative studio, wellness retreat, multigenerational setup, or future income-producing ADU opportunity, it gives the estate a true compound feel with a level of versatility rarely available in this market. Inside, the home blends warmth and scale with a layout designed for both everyday living and elevated entertaining. The kitchen anchors the main living areas with granite countertops, a gas cooktop island, stainless steel appliances, built-in wall oven and microwave, extensive cabinetry, and seamless flow to the surrounding indoor-outdoor spaces. Outside is where the property separates itself completely. The grounds are expansive, usable, and designed for lifestyle. Multiple outdoor entertaining areas take full advantage of the surrounding outlooks and coastal breezes, while the built-in BBQ, mini fridge, fire pit lounge, and open gathering spaces create an environment equally suited for quiet mornings or large-scale entertaining. The property also offers rare flexibility for RV parking, boat storage, guest overflow, and future expansion opportunities, including additional ADU potential (buyer to verify). And while the setting feels private and tucked away, you’re still moments from Rancho Santa Fe, Encinitas beaches, Lake Hodges trails, top-rated schools, shopping, dining, and direct access to Interstate 5. This isn’t just another home in North County. It’s land, lifestyle, flexibility, and long-term value in one of Southern California’s most sought-after communities. Seller willing to consider a 2-1 rate buy down for the right offer, creating a compelling opportunity to secure a premier Olivenhain estate with enhanced financing flexibility.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

9/10
Diegueno Middle SchoolGrades 7-81.0 mi
9/10

Construction

Condition

  • Year built: 2012

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Barbecue,Built-In,Dishwasher,Disposal,Microwave,Refrigerator,Washer

Basement

  • Has basement: Yes

Bedroom

  • Features: Multi-Level Bedroom

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2
  • Main level bedrooms: 4

Cooling

  • Cooling features: Central Air

Features

  • Bedroom on Main Level
  • Flooring: Wood
  • Fireplace features: Living Room,Outside,See Remarks
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 3,395 sqft

Property

Details

  • Parcel number: 2650222300
  • Zoning: R-1:Single Fam-Res
  • Special condition: Trust
  • Horse amenities: Riding Trail

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Exterior features: Fire Pit
  • Has view: Yes
  • View description: Courtyard,Mountain(s),Panoramic
  • Horses can be raised: Yes

Lot

  • Lot size: 0.58 Acres
  • Features: Back Yard,Horse Property,Secluded,Value In Land,Yard

Parking

  • Total spaces: 4
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Heat Wave
Landslide

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $13,728$164,736
Home Insurance *$359$4,308
Property Taxes $2,562$30,744
Electricity $728$8,736
Total$17,377$208,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$595,782/yr
40% on housing$521,310/yr
45% on housing$463,386/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$800This listing

vs Other Active Listings

Avg $/sqft

ZIP 92024$919
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92024$935
San Diego County$576

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-10Listed for sale$2,915,000
2023-12-04Listing removed--
2023-11-08Price change$5,995
2023-10-18Price change$6,495
2023-09-07Price change$6,995
2023-08-31Price change$7,200
2023-08-23Price change$7,995
2023-08-15Price change$8,995
2023-08-09Price change$9,595
2023-08-04Price change$9,795
2023-07-19Listed for rent$9,995
2009-12-21Sold$300,000
2009-07-01Sold$297,452
2002-11-27Sold$233,000
2000-07-10Sold$33,500

For Sale by Agent

AgentAndrew Krul
BrokerageKeller Williams Realty

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