10157 Prairie Fawn Dr.
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10157 Prairie Fawn Dr.

Ctop 80%

4S Ranch, CA 92127Neighborhood: 4S Ranch

$1,699,000
NEW — 4d
STR: check · HOA rules unknown · TOT 8%

HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.

Pass at asking: -$8,639/mo full cashflow at 20% down, 7.49% rate.

Works at $579,054 (66% under asking), or at 93% down.

Rent $5,937/mo from 18 leases of 3–5 bed houses within 1 mi ($5,259–$5,985).

Beds

4

Baths

3

Sqft

2,386

Year Built

2003

Days on Market

4

Property Type

Single Family

HOA/mo

$105

MLS ID

260026006SD

This property is in 4S Ranch (92127). View neighborhood stats →

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About This Property

Welcome to this detached single-family residence in the desirable Cedar Creek neighborhood of 4S Ranch! Featuring 4 bedrooms, 2 full bathrooms, 2 half bathrooms, and paid solar, this bright and inviting home offers a wonderful combination of space, comfort, and modern upgrades. Soaring 10-foot ceilings downstairs and 9-foot ceilings upstairs create an open, airy feel throughout. The beautifully remodeled kitchen (2021), featuring updated finishes and appliances, opens to the family room, creating an ideal space for everyday living and entertaining. The spacious primary suite offers a walk-in closet, soaking tub, and separate shower. A thoughtfully added fourth bedroom provides flexibility for guests, a home office, or additional living space. Step outside to a private, fully fenced backyard with a patio, perfect for outdoor dining and relaxing. Major improvements include a new heat pump and condenser (2026), dual-fuel HVAC system with Nest smart thermostat, air purification system, and updated fencing. A long, gated driveway and attached two-car garage add convenience. Residents also enjoy access to Pioneer Park, a private community park featuring a splash pad, modern playgrounds, basketball court, picnic areas, BBQ grills, and space for gatherings and celebrations. All this in a fantastic location near 4S Commons, shopping, dining, and everyday conveniences. A wonderful opportunity to own a detached single-family home in the heart of 4S Ranch! Low HOA fee! Unlike some detached homes in the community that are classified as condos, this property is identified as a single-family residence

Mortgage Calculator

Est. Monthly Payment

$11,794

Principal & Interest$9,494
Property Tax$1,699
Insurance$496
HOA$105
%($339,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Stone Ranch Elementary · grades K-5 · Poway Unified

  • Middle

    Oak Valley Middle · grades 6-8 · Poway Unified

  • High

    Del Norte High · grades 9-12 · Poway Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

8C
Est. Monthly Rent
$5,937

18 leases of 3–5 bed houses within 1 mi · $5,259–$5,985

Blended 50/50 with the zip's market median ($6,312)

Monthly Cashflow

Rent − PITIA

-$5,857
Full Cashflow

Incl. vacancy, PM, maint, capex

-$8,639

What would make this work?

$8,639/mo short at 20% down; 93% down or +$11,219/mo rent closes it.

Break-even price

66% under asking

$579,054
Break-even rent

$11,219/mo above the estimate

$17,156/mo
Cashflow at 35% down
−$6,859/mo
Down payment to break even

$1,580,070 cash

93%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$9,494
Cap Rate
0.81%
Cash-on-Cash
-30.51%
DSCR

Need ≥ 1.25 for DSCR loan

0.50

NOI (Annual)
$13,830
Price-to-Rent

Lower = better for investors

23.8

* Modelled at 20% down, 7.49% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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CCashflow−$8,639/mo