1136 Whispering Water
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1136 Whispering Water

B

San Marcos, CA 92078

$849,000
NEW — 3d

Soft Appraisal Value: $846,400 · 0.3% above estimate

Beds

4

Baths

2.5

Sqft

1,746

Year Built

1997

Days on Market

3

Property Type

Single Family

HOA/mo

$320

MLS ID

260015572SD

This property is in San Marcos (92078). View neighborhood stats →

About This Property

Nestled in the private, gated luxury community of Williamsburg—one of San Marcos’ most coveted neighborhoods—this charming home offers resort-style amenities: serene walking trails, tranquil ponds, a heated pool and spa, a clubhouse, tennis courts, a dog park, and more. The seller, original owner from the developer, offers the well-designed James Plan 2: four bedrooms upstairs, two and a half baths. While some updates are needed—particularly in the kitchen—the home is priced accordingly and is being sold as-is, making it a fantastic value as the lowest-priced detached home in 92078 as of today. Priced accordingly, seller wants to sell as-is with no repairs. Just steps away is the entrance to one of the beautiful community ponds—its gentle flowing water is truly calming. Start your day with a coffee, sit by the pond, and watch the ducks. Then, enjoy tennis or pickleball, a refreshing swim in the gorgeous pool, and a relaxing nature walk—all within this private, gated enclave. Nestled in the private, gated luxury community of Williamsburg—one of San Marcos’ most coveted neighborhoods—this charming home offers resort-style amenities: serene walking trails, tranquil ponds, a heated pool and spa, a clubhouse, tennis courts, a dog park, and more. The seller, original owner from the developer, offers the well-designed James Plan 2: four bedrooms upstairs, two and a half baths. While some updates are needed—particularly in the kitchen—the home is priced accordingly and is being sold as-is, making it a fantastic value as the lowest-priced detached home in 92078 as of time of listing. Priced accordingly, seller wants to sell as-is with no repairs. A standout feature is the red curb in front of the home, ensuring no parking directly outside, plus a speed bump nearby to slow traffic for added safety. Across the street, green curb parking is available all day. Just steps away is the entrance to one of the beautiful community ponds—its gentle flowing water is truly calming. Start your day with a coffee, sit by the pond, and watch the ducks. Then, enjoy tennis or pickleball, a refreshing swim in the gorgeous pool, and a relaxing nature walk—all within this private, gated enclave.

Mortgage Calculator

Est. Monthly Payment

$5,710

Principal & Interest$4,293
Property Tax$849
Insurance$248
HOA$320
%($169,800)
%

Location

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Investment Score

38C
Est. Monthly Rent
$4,319
Monthly Cashflow

Rent − PITIA

$-1,391
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,092

Mortgage (P+I)
$4,293
Cap Rate
1.70%
Cash-on-Cash
-21.85%
DSCR

Need ≥ 1.25 for DSCR loan

0.76
Break-even Rent
$8,334

NOI (Annual)
$14,414
Price-to-Rent

Lower = better for investors

16.4

* 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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