12423 Figtree St
Dbottom 20%Scripps Ranch, CA 92131
0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 9, 2026.
None of the 1 homes on this home's recorded tract holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.
Pass at asking: -$17,725/mo full cashflow at 20% down, 7.43% rate.
Works at $687,274 (77% under asking); even all cash loses money at asking.
Rent $7,030/mo from 9 leases of 4–6 bed houses within 2 mi ($6,888–$7,638).
Beds
5
Baths
4.5
Sqft
4,334
Year Built
1999
Days on Market
48
Property Type
Single Family
HOA/mo
$135
MLS ID
260023233SD
This property is in Scripps Ranch (92131). View neighborhood stats →
About This Property
Welcome Home to Scripps Ranch! Located in the highly desirable South of Pomerado neighborhood with 270-degree panoramic views all the way to the ocean, a sparkling pool and spa, and generous layout featuring 5 bedrooms plus an office, this property offers exceptional comfort and design. The interior showcases a ground floor bedroom and bathroom ideal for guests, an executive office with built-ins, and a primary suite worthy of royalty complete with a balcony to enjoy the southern exposure and views. The grounds feature a variety of mature fruit trees including lemon, sweet lime, fig, mulberry, orange, tangerine, avocado, pomegranate, plum, and tomatoes. Energy efficiencies include new dual zone air conditioning and heaters for year-round climate control, a whole-house water filtration system and a tankless hot water heater. Don't miss the 3-car garage, fully owned solar, low HOA's and no Mello-Roos fees. Located near award-winning Scripps Ranch Schools, Swim and Racquet club, restaurants, shopping and freeways!
Mortgage Calculator
Est. Monthly Payment
$20,642
Location
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Zoned Schools
Elementary
Jerabek Elementary · grades K-5 · San Diego Unified
Middle
Marshall Middle · grades 6-8 · San Diego Unified
High
Scripps Ranch High · grades 9-12 · San Diego Unified
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$7,030
Comp Average
$7,038
13303 Greenstone Court
6bd / 4.5ba · 4,720 sqft · Single Family
$2.60M
Est. $7,306/mo
11549 Edgewood Pl
5bd / 6ba · 5,095 sqft · Single Family
$2.95M
Est. $7,991/mo
11423 Olive Knoll Court
6bd / 5.5ba · 4,775 sqft · Single Family
$2.88M
Est. $7,329/mo
10747 Birch Bluff Ave
5bd / 4ba · 3,429 sqft · Single Family
$2.50M
Est. $6,159/mo
12666 Fairbrook Rd
4bd / 3.5ba · 3,625 sqft · Single Family
$2.48M
Est. $6,403/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 4–6 bed houses within 2 mi · $6,888–$7,638
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$17,725/mo short at 20% down; +$23,020/mo rent closes it.
- Break-even price
- $687,274
- Break-even rent
- $30,050/mo
- Cashflow at 35% down
- −$14,606/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
77% under asking
$23,020/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% 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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