13217 Deron Ave
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13217 Deron Ave

Ctop 80%

Rancho Peñasquitos, CA 92129

$1,350,000
NEW — 1d
STR-eligible · San Diego Tier 3 · TOT 11.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

7 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 6, 2026.

Pass at asking: -$6,239/mo full cashflow at 20% down, 7.43% rate.

Works at $537,747 (60% under asking), or at 87% down.

Rent $5,364/mo from 15 leases of 3–5 bed houses within 1 mi ($4,927–$5,565).

Beds

4

Baths

2.5

Sqft

2,143

Year Built

1978

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026143SD

This property is in Rancho Peñasquitos (92129). View neighborhood stats →

About This Property

Welcome to this inviting 4-bedroom, 2.5-bath home offering 2,143 sq. ft. of comfortable living space and an open, spacious floor plan. Formal living and dining areas create an ideal setting for entertaining, while the inviting family room features wood-look tile flooring, a brick fireplace, and a wet bar with sink and cabinetry. The updated kitchen offers granite countertops, stainless steel appliances, freshly painted cabinetry, pull-out pantry shelves, and tile flooring. All four bedrooms are conveniently located upstairs, including the updated primary suite with its own private balcony. The landscaped backyard features mature trees and a concrete patio, perfect for relaxing or entertaining. Additional highlights include an attached two-car garage with built-in storage and workbench, plus refrigerator, washer, and dryer included. Recent improvements include a new balcony and exterior paint (2026), new HVAC and air conditioning (2020), updated family room flooring and lighting (2019), and refreshed kitchen and bathroom finishes. Enjoy convenient access to nearby hiking and biking trails at Los Peñasquitos Canyon Preserve and Black Mountain Open Space Park, community parks, shopping, dining, and everyday conveniences. Located within the Poway Unified School District, walking distance to elementary and middle schools and close to Blue Ribbon Award winning Westview High School. Easy access to I-15 and SR-56.

Mortgage Calculator

Est. Monthly Payment

$9,244

Principal & Interest$7,500
Property Tax$1,350
Insurance$394
%($270,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Sundance Elementary · grades K-5 · Poway Unified

  • Middle

    Mesa Verde Middle · grades 6-8 · Poway Unified

  • High

    Westview 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.

Investment Score

14C
Est. Monthly Rent
$5,364

15 leases of 3–5 bed houses within 1 mi · $4,927–$5,565

Blended 50/50 with the zip's market median ($5,435)

Monthly Cashflow

Rent − PITIA

-$3,880
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,239

What would make this work?

$6,239/mo short at 20% down; 87% down or +$8,102/mo rent closes it.

Break-even price

60% under asking

$537,747
Break-even rent

$8,102/mo above the estimate

$13,466/mo
Cashflow at 35% down
−$4,832/mo
Down payment to break even

$1,174,500 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,500
Cap Rate
1.36%
Cash-on-Cash
-27.73%
DSCR

Need ≥ 1.25 for DSCR loan

0.58

NOI (Annual)
$18,354
Price-to-Rent

Lower = better for investors

21.0

* 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−$6,239/mo