3451 Dove Hollow Rd, Encinitas, CA 92024
6 beds · 6 baths · 5,630 sqft
Welcome to 3451 Dove Hollow Road, a stunning single-family estate nestled in the serene landscapes of Encinitas, CA. This expansive home of approximately 5,630 square feet blends luxury and comfort, with every detail thoughtfully crafted to create an exceptional living experience. Step through the front door, and you’ll be greeted by an elegant 6-bedroom, 5.5-bathroom layout where custom finishes and top-tier craftsmanship are on display throughout. A welcoming portico entry leads to a courtyard with a fireplace, providing access to a private office or bedroom with a full bath, French doors opening to the courtyard, and a staircase that ascends to a rooftop deck with breathtaking views. The spacious great room features a cozy fireplace and flows seamlessly into the gourmet kitchen, a chef’s dream equipped with premium appliances—ideal for everything from quick breakfasts to elaborate dinner parties. The main-level primary suite offers a peaceful alcove overlooking the backyard, creating a tranquil retreat, while three additional bedrooms and two full baths, along with a half-bath for guests, complete the main living area. A convenient one-car garage is located on this level, offering easy access to the kitchen and main living spaces for added ease and functionality. The lower level of the home is equally impressive, featuring a private suite with a bedroom, full bath, comfortable living area with a fireplace, and a two-car garage. This level also boasts a flexible bonus room that can be used as an exercise space, craft room, or home office. The home is equipped with a multi-zone HVAC system, ensuring efficient climate control for every area of the house. For added convenience, an elevator connects both floors to the rooftop deck, providing a perfect spot for entertaining or simply taking in the panoramic views. The property is equipped with modern conveniences such as an approximately 9.1 kW owned solar PV system, city water and sewer, a gated driveway, and hard surface flooring throughout the main living areas. Nestled on an expansive lot of approximately 3.5-acres, this property may offer numerous opportunities for improvements, including space for RV parking, a sport court, or horse facilities. Buyers are encouraged to confirm the feasibility of all potential development proposals including adding an ADU or potential lot split with local authorities prior to purchase. Located just minutes from the beautiful beaches of Encinitas, top-rated golf courses, and highly acclaimed schools, this home is perfectly situated to offer both privacy and convenience. Whether you’re enjoying a stroll along the beach, perfecting your golf swing, or taking advantage of the area’s excellent schools, everything you need is within easy reach. 3451 Dove Hollow Road isn’t just a home—it’s a lifestyle. With its luxurious design, versatile living spaces, and potential for future expansion, this property is ready to become your personal sanctuary or the ultimate space for entertaining. Explore the endless opportunities and make this estate your own.
Source: CRMLS #NDP2502731
Send questions to support@withroam.com
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: CRMLS #NDP2502731
To qualify, you must meet the current FHA or VA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50%. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
What is Roam?
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
What is an assumable mortgage?
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
Why is an assumable mortgage valuable?
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
How can you find assumable mortgage listings?
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Get Notified” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
How do I qualify for an assumable mortgage?
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.