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12959 Creek Park Dr

Ctop 80%

Poway, CA 92064

$1,098,995

STR unclear · Poway: confirm with the city

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$5,098/mo full cashflow at 20% down, 7.43% rate.

Works at $435,341 (60% under asking), or at 87% down.

Rent $4,619/mo from 10 leases of 4-bed houses within 2 mi ($4,378–$4,871).

Beds

Baths

2.5

Sqft

2,088

Year Built

1981

Days on Market

109

Property Type

Single Family

HOA/mo

$213

MLS ID

260018034SD

This property is in Poway (92064). View neighborhood stats →

Virtual Tour

About This Property

Seller offering finance credit. This fully updated 4-bedroom, 2.5-bath home blends modern comfort with everyday convenience in the heart of Poway, just minutes from popular shops and restaurants. Inside, exotic Brazilian hardwood flooring sets the tone, complemented by brand-new carpet, fresh interior paint, and a beautifully remodeled kitchen with new appliances—perfect for both daily living and entertaining. Owned solar and new dual pane windows adds to the homes energy efficiency and cost effectiveness. The spacious layout offers a seamless flow and an inviting atmosphere throughout. The large primary suite provides a private retreat, while the backyard is designed for relaxing and gathering, featuring custom pavers, owned solar, and a built-in fire pit ideal for evening get-togethers. With thoughtful upgrades throughout and a location that offers both tranquility and accessibility, this move-in-ready home checks every box for comfortable, stylish living.

Mortgage Calculator

Est. Monthly Payment

$7,738

Principal & Interest$6,105

Property Tax$1,099

Insurance$321

HOA$213

Down Payment

%($219,799)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Valley Elementary · grades K-5 · Poway Unified
Middle
Meadowbrook Middle · grades 6-8 · Poway Unified
High
Poway 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.

Comparable Properties

5 comps found

This Property

$4,619

Comp Average

$4,791

13145 Carriage Road

4bd / 3ba · 2,011 sqft · Single Family

$1.15M

Est. $4,953/mo

12216 Pepper Tree Lane

4bd / 2.5ba · 1,956 sqft · Single Family

$1.25M

Est. $4,908/mo

14306 Sladon

4bd / 2.5ba · 2,085 sqft · Single Family

$1.30M

Est. $4,708/mo

17036 Iron Mountain

3bd / 2ba · 2,195 sqft · Single Family

$1.30M

Est. $4,492/mo

17233 Cloudcroft Drive

4bd / 2ba · 2,040 sqft · Single Family

$1.60M

Est. $4,895/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

14C

Est. Monthly Rent

$4,619

10 leases of 4-bed houses within 2 mi · $4,378–$4,871

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,119

Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,098

What would make this work?

$5,098/mo short at 20% down; 87% down or +$6,620/mo rent closes it.

Break-even price: $435,341
Break-even rent: $11,239/mo
Cashflow at 35% down: −$3,953/mo
Down payment to break even: 87%
Rate to break even: Not reachable

Mortgage (P+I)

$6,105

Cap Rate

1.35%

Cash-on-Cash

-27.83%

DSCR

Need ≥ 1.25 for DSCR loan

0.60

NOI (Annual)

$14,865

Price-to-Rent

Lower = better for investors

19.8

* 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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CCashflow−$5,098/mo