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Bank Branch with Drive-Through
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140 N Echo Ln, San Marcos, CA 92069

Existing banking improvements include a customer vehicle lane and dedicated surface parking.

Property Size4,046 SF
Price / SF$642.61
Days on Market50

Property Features for 140 N Echo Ln

General Information

Standard status Active
Size 4,046 SF
Property subtype RETAIL

Site & Location

Highway Access Yes
Road Access Yes

Amenities

drive-thru
Listing Agency: Urban Property Group (UPG)
Listed By: Bill Shrader · License #01033317
Source: Moodyscre
Added: Aug 19 Changed: Oct 4 Last Checked: Oct 7 at 12:21PM

Displayed information is deemed reliable but is not guaranteed and should be independently verified. All listing content including descriptions, pricing, images are the copyrighted material of Urban Property Group (UPG)

Investment Insights

Based on property information with market context.

This 4,046-square-foot property is an operating bank branch with a drive-through and no vault. Dedicated surface parking provides on-site customer access, while the existing layout is centered on a banking operation.

The property is located at 140 N Echo Ln, San Marcos, CA 92069, with access to CA-78, I-15, and I-5. The surrounding commercial setting includes retail, dining, healthcare, and professional services, creating a varied business environment around the branch.

Key Highlights

  • 4,046 square feet of bank branch improvements
  • Existing drive‑through banking configuration
  • No vault included

Financial Insights

Estimated NOI and Cap Rate

NOI / Yr
$105,733
Cap Rate
4.07%
Suggested Prices Based on Cap Rates
Cap Rate 5%
$2,114,660 $2.1M
Cap Rate 7%
$1,510,471 $1.5M
Cap Rate 9%
$1,174,811 $1.2M
Market Conditions
NOI Build-Up for 4,046 SF
Gross rent
$147.1K $36.36/SF
− Vacancy
−$6.1K −$1.52/SF
EGI
$141.0K $34.84/SF
− OpEx
−$35.2K −$8.71/SF
NOI
$105.7K $26.13/SF
Area
San Diego County, CA
Vacancy
4.17%
Lease Rate
$36.36 /SF/Yr
Expense Ratio
25.00%
Simulate Cap Rate and NOI
Suggested Prices Based on Cap Rates
Cap Rate 5%
$2,114,660
Cap Rate 7%
$1,510,471
Cap Rate 9%
$1,174,811

Alternative Uses

Best Use
Specialty Retail
$1.51M
$1.32M – $1.76M (±1% cap)
NOI $105,733 @ 7.0% cap · market cap 4.07%
Second Best
Retail
$907.9K
$794.4K – $1.06M (±1% cap)
NOI $63,555 @ 7.0% cap · market cap 2.44%
Theoretical Best
Office A
$1.85M
$1.62M – $2.16M (±1% cap)
NOI $129,762 @ 7.0% cap · market cap 4.99%
Zoning and permitted uses should be independently verified with authorities.

Property Analytics

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Current Use

Banks

Suggested Use

Top Pick (Bike/Boat/Book/etc) Store Pet Grooming Service Nursing Home Florist Clothing & Fashion Store Grocery & Convenience Store

Score = modeled unmet demand for each use within ~1 mi (higher = bigger opportunity). Zoning and permitted uses should be independently verified with local authorities.

Lease Details

Yes
Highway access
Yes
Paved road access

Location Intelligence

Trade Area within ½ mile

1,273
Businesses Nearby
575k
Monthly Visits Nearby

Foot Traffic Nearby

Dining 28% Groceries 22% Shops & Services 17% Home Improvements & Furnishings 12%
WinCo Foods Groceries
82,235 visits/mo 0.3 miles
Costco Wholesale Superstores
67,345 visits/mo 0.5 miles
The Home Depot Home Improvements & Furnishings
54,523 visits/mo 0.1 miles
Best Buy Electronics
41,824 visits/mo 0.2 miles
Hobby Lobby Shops & Services
40,155 visits/mo 0.4 miles

Demographics for 92069, CA

49,407
Population
15,687
Households
3.1
Avg Household Size
34
Median Age
35%
College-Educated
83%
High-School Grad
18.5 sq mi
ZIP Area
2,671
Density / Sq Mi
$93,065
Median Household Income
$41,634
Median Earnings
$2,078
Median Rent
$714,700
Median Home Value
Check the figures for this property Cap Rate, Value Estimation, Potential NOI and more
View Realmo Analytics

Market

Vacancy Rate% for Retail in West region

7% 2020
6.3% 2021
5.5% 2022
5.3% 2023
5.5% 2024
5.8% 2025
Rey
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Frequently Asked Questions

What type of property is this?
Bank - Existing banking improvements include a customer vehicle lane and dedicated surface parking.
Where is this bank located?
The property is located at 140 N Echo Ln San Marcos, CA.
What is the asking price?
The asking price for this property is $2,600,000.
What are key features of this property?
This property features: 4,046 square feet of bank branch improvements; Existing drive‑through banking configuration; No vault included
(619) 851-0288 Call to check price and availability
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