345 Osborne St , Vista, CA 92084
$1,150,000
Est. Payment: $6,311.63/mo
4 Bed
2 Bath
2114 Sqft
0.5 Acres
Status: Pending | Days on site: 18
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14480 - 103643
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House Description

Set back from the street on a private half-acre, this gated sanctuary was stripped to the studs and meticulously rebuilt for pure, low-toxin living. Overflowing with character, the interior showcases timeless arched doorways that also carry to the front exterior of the home. A striking solid wood beam, sourced from a 1700s farmhouse, frames the open connection between the kitchen and family room. Insulated with 100% natural wool sourced from Oregon (zero fiberglass) and finished with zero-VOC paint, hard wood oak and mahogany windows, solar power, and plush 100% wool carpeting with natural wool padding underneath, this 4-bedroom, 2-bath home ensures exceptional indoor air quality and style. The heart of the home features a fully remodeled French countryside-inspired kitchen equipped with brand-new Forno appliances. Both primary and guest bathrooms are completely updated with timeless cast-iron Kohler tubs, wainscoting, and vanities. The interior is timeless with old-world charm—it feels like there are decades of stories it can tell, yet it was all comprehensively remodeled within the last 10 years. This is not a sterile gray/white flip, but a warm, inviting place to call home. Outdoors, enjoy a pristine biological natural pool (100% chlorine-free) and pesticide-free organic gardens. Unique exterior features include deep RV/trailer parking, a versatile flex space (gym, office, or studio), and a custom cob playhouse, garden or she-shed reminiscent of Hagrid’s hut. Complete with a newer roof, HVAC, and tankless water heater—unmatched charm meets ultimate wellness. All the expensive upgrades (approx. $230k) that buyers worry about have been completed here, making it truly ready to move in and enjoy.

Highlights

Listed by Cindy Farfan , 760-521-1693 Coldwell Banker Realty , 760-941-6888. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.5

Year Built

1976

County

San Diego

Area

92084 - Vista

School District

Vista Unified

Listing ID

NDP2607927

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Central Air
Fireplaces:Living Room
Other:
  • ▪ Additional:All Bedrooms Down

Exterior Features

Lot:0-1 Unit/Acre,No Land Lease
Garage Capacity:5
Zoning:R-1:SINGLE FAM-RES
Sewer:Septic Tank
Parking Features:Converted Garage,Driveway,On Site,RV Access/Parking
Principal Interest
$6,312
Taxes
$733

Home Price

$1,150,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$230,000
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:
$6,311.63

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,311.63 $733.13 $0.00 $7,044.75
Yearly $75,739.56 $8,797.50 $0.00 $84,537.06
Total $2,272,186.68 $263,925.00 $0.00 $2,536,111.68

Today's Rates

30 Year

7.31%

20 Year

7.2%

15 Year

6.65%

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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: 2026-10-03T23:12:51.000Z

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