10847 Matinal Cir
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10847 Matinal Cir

C

4S Ranch, CA 92127

$1,020,000
NEW — 1d

Soft Appraisal Value: $1,006,600 · 1.3% above estimate

Beds

3

Baths

2.5

Sqft

1,444

Year Built

1986

Days on Market

1

Property Type

Duplex

HOA/mo

$90

MLS ID

260017149SD

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

About This Property

This immaculate two-story home is located in the highly desirable Westwood neighborhood of Rancho Bernardo. Low HOA and No Mello-Roos! Ideally situated with a neighborhood park right across the street, you’ll enjoy peaceful walking trails and beautiful mountain views just steps from your front door. Residents also have access to the Westwood Club, featuring a large pool and spa, gym, tennis courts, and expansive sports fields. Inside, tall ceilings in the living room and large windows fill the home with natural light. The open-concept living area is bright and welcoming, with a charming brick fireplace. The kitchen showcases granite countertops and backsplash, a convenient breakfast bar, and an impressive wall of built-in cabinetry complete with wine storage — perfect for entertaining and everyday functionality. A desirable entry-level bedroom and downstairs powder room provide flexibility for guests. Upstairs, both bedrooms feature vaulted ceilings and private ensuite bathrooms, creating spacious and comfortable retreats. The low-maintenance backyard is beautifully designed with gorgeous pavers and mature fruit trees, an inviting space to relax or host gatherings. Located within the award-winning Poway Unified School District and just minutes from easy freeway access, shopping, and dining, this home offers the ideal blend of comfort, convenience, and lifestyle.

Mortgage Calculator

Est. Monthly Payment

$6,565

Principal & Interest$5,158
Property Tax$1,020
Insurance$297
HOA$90
%($204,000)
%

Location

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Investment Score

13D
Est. Monthly Rent
$3,790
Monthly Cashflow

Rent − PITIA

$-2,775
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,496

Mortgage (P+I)
$5,158
Cap Rate
0.78%
Cash-on-Cash
-26.45%
DSCR

Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$9,629

NOI (Annual)
$7,936
Price-to-Rent

Lower = better for investors

22.4

* Defaults: 20% down, 6.5% rate, 30yr.

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

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