10287 Spruce Woodlands Way
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10287 Spruce Woodlands Way

Btop 30%

Escondido, CA 92026

$938,000
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: -$3,516/mo full cashflow at 20% down, 7.36% rate.

Works at $478,013 (49% under asking), or at 75% down.

Rent $5,058/mo from 7 leases of 4–6 bed houses in 92026 ($4,592–$5,219).

Beds

5

Baths

2.5

Sqft

2,357

Year Built

2004

Days on Market

89

Property Type

Single Family

HOA/mo

$242

MLS ID

260020078SD

This property is in Escondido (92026). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to Hidden Meadows! Situated on an expansive lot, this beautifully maintained 5-bedroom, 2.5-bath home offers 2,357 sq. ft. of versatile living space, a 3-car garage, fully OWNED SOLAR and a Level 2 EV charger. Step inside to soaring ceilings, abundant natural light and an inviting floor plan designed for everyday living and entertaining. The main level features a versatile bedroom ideal for guests or a home office, along with a convenient half bath. Formal living and dining areas lead to the spacious family room with a second fireplace and an open connection to the kitchen and backyard. The kitchen features stainless steel appliances, stone countertops, white cabinetry, generous prep space and a casual dining area. Upstairs, the spacious primary suite offers backyard views, an ensuite bath and walk-in closet, along with three additional bedrooms and a full hall bath. Outside, enjoy a large private grassy backyard with mature fruit trees and plenty of room to entertain, play or garden. Hidden Meadows amenities include a community pool, tennis courts and clubhouse, with nearby golf, local markets and dining. Hidden Meadows Vineyard is just minutes away, offering a charming tasting room and picturesque vineyard setting. A wonderful combination of space, functionality and the relaxed Hidden Meadows lifestyle!

Mortgage Calculator

Est. Monthly Payment

$6,629

Principal & Interest$5,175
Property Tax$938
Insurance$274
HOA$242
%($187,600)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Reidy Creek Elementary · grades K-5 · Escondido Union

  • Middle

    Rincon Middle · grades 6-8 · Escondido Union

  • High

    Escondido High · grades 9-12 · Escondido Union High

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

41B
Est. Monthly Rent
$5,058

7 leases of 4–6 bed houses in 92026 · $4,592–$5,219

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,571
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,516

What would make this work?

$3,516/mo short at 20% down; 75% down or +$4,566/mo rent closes it.

Break-even price

49% under asking

$478,013
Break-even rent

$4,566/mo above the estimate

$9,624/mo
Cashflow at 35% down
−$2,546/mo
Down payment to break even

$703,500 cash

75%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,175
Cap Rate
2.45%
Cash-on-Cash
-22.49%
DSCR

Need ≥ 1.25 for DSCR loan

0.76

NOI (Annual)
$22,943
Price-to-Rent

Lower = better for investors

15.5

* Modelled at 20% down, 7.36% 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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BCashflow−$3,516/mo