1645 Magnolia Cir. , Vista, CA 92081
$989,000
Est. Payment: $4,994.16/mo
3 Bed
3 Bath
2150 Sqft
Status: active | Days on site: 34
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Welcome to this beautifully updated, former model, 3BR+office/loft home in the highly sought-after gated community of Moncado Springs. Located at the end of a quiet cul-de-sac, this move-in ready home offers exceptional privacy with no homes directly behind and scenic hillside views. Recent upgrades include fresh interior paint, new luxury vinyl flooring upstairs and a remodeled kitchen completed in 2022. The open-concept floor plan connects the kitchen and family room, creating an inviting space for everyday living and entertaining. Natural light fills the home with lots of windows, complemented by custom blinds, recessed lighting, tile flooring downstairs, luxury vinyl upstairs, and custom built-ins throughout. The chef-inspired kitchen features ample cabinetry, generous counter space, and a large center island with breakfast bar seating. The adjacent family room offers a brick fireplace, built-in media niche, custom workstation, and new glass door leading to a private backyard with mature landscaping and hillside views. Upstairs, a versatile bonus room with built-in desk can serve as a home office, media room, playroom, or optional fourth bedroom. The spacious primary suite includes crown molding, custom built-ins, a walk-in closet, and an en-suite bath with stone countertops and updated flooring. Additional highlights include an upstairs laundry room, community pool, spa, clubhouse, playground, parks, and no Mello-Roos fees. Conveniently located near top Vista Unified schools. Welcome to this beautifully updated former model home in the highly sought-after gated community of Moncado Springs. Located at the end of a quiet cul-de-sac, this move-in ready home offers exceptional privacy with no homes directly behind and scenic hillside views. Recent upgrades include fresh interior paint, new luxury vinyl flooring upstairs, and a remodeled kitchen completed in 2022. The open-concept floor plan connects the kitchen and family room, creating an inviting space for everyday living and entertaining. Waterboy whole house water filtration system. Natural light fills the home through abundant windows, complemented by custom blinds, recessed lighting, tile flooring downstairs, luxury vinyl upstairs, and custom built-ins throughout. The chef-inspired kitchen features ample cabinetry, generous counter space, and a large center island with breakfast bar seating. The adjacent family room offers a brick fireplace, built-in media niche, custom workstation, and new glass door leading to a private backyard with mature landscaping and hillside views. Upstairs, a versatile bonus room with built-in desk can serve as a home office, media room, playroom, or optional fourth bedroom. The spacious primary suite includes crown molding, custom built-ins, a walk-in closet, and an en-suite bath with stone countertops and updated flooring. Additional highlights include an upstairs laundry room, community pool, spa, clubhouse, playground, parks, and no Mello-Roos fees. Conveniently located near top Vista Unified schools.

Highlights

Listed by Tom Wilson , 858-444-0840 Compass , CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

HOA Fee

420 Monthly

Year Built

2002

County

San Diego

Area

92081 - Vista

Listing ID

260015784SD

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Counter Top, Dishwasher, Free-Standing Range, Gas Cooking, Gas Cooktop, Disposal, Gas Oven, Gas Range, Microwave, Refrigerator
Air Cond:Central Air
Fireplaces:Gas
Other:Separate/Formal Dining Room,All Bedrooms Up,Walk-In Closet(s)

Exterior Features

Lot:No Land Lease
Garage Capacity:4
Roof:Barrel
Others:Stucco,Wood Siding
Parking Features:Driveway,Garage Faces Front,Garage,Garage Door Opener
Principal Interest
$4,994
Taxes
$630
HOA
$420

Home Price

$989,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$197,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,994.16

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,994.16 $630.49 $420.00 $6,044.65
Yearly $59,929.92 $7,565.85 $5,040.00 $72,535.77
Total $1,797,897.52 $226,975.50 $151,200.00 $2,176,073.02

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (Vista, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-08-10T20:37:41.000Z

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