13504 Jadestone Way
1 / 20

13504 Jadestone Way

Ctop 80%

Carmel Valley, CA 92130

$1,280,000
STR: check · no permits in this complex · TOT 11.75%

9 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 10, 2026.

No unit in this 19-unit complex 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: -$6,591/mo full cashflow at 20% down, 7.43% rate.

Works at $421,779 (67% under asking), or at 95% down.

Rent $4,746/mo from 15 leases of 2–4 bed condos & townhomes within 0.5 mi, same school area ($4,323–$4,965).

Beds

3

Baths

2.5

Sqft

1,428

Year Built

1996

Days on Market

91

Property Type

Townhouse

HOA/mo

$415

MLS ID

NDP2607523

This property is in Carmel Valley (92130). View neighborhood stats →

Virtual Tour

About This Property

Turnkey elegance in the heart of Carmel Valley! This beautifully updated 3-bedroom, 2.5-bath home offers the perfect blend of modern upgrades, everyday comfort, and an unbeatable location. Offering approximately 1,428 square feet of thoughtfully renovated living space, the home was extensively remodeled in 2024 with brand-new flooring throughout, fresh interior paint, a fully refreshed kitchen featuring new countertops, sink, cooktop, range, dishwasher, and refrigerator, along with two remodeled bathrooms showcasing new countertops, upgraded walk-in showers and baths, and new washer and dryer. The bright, functional floor plan is filled with natural light and provides comfortable everyday living, while the attached two-car garage adds convenience. Residents enjoy access to desirable community amenities, including a pool, spa, fitness center, and beautifully maintained common areas, offering the perfect balance of recreation and low-maintenance living. Located within the award-winning Solana Beach and San Dieguito Union High School Districts, this home combines exceptional amenities with one of Carmel Valley's most sought-after locations. Enjoy a peaceful neighborhood with easy access to nearby parks, shopping, dining, and major freeways. Just minutes from One Paseo and Del Mar Highlands Town Center, you'll have some of Carmel Valley's best restaurants, boutiques, fitness studios, and everyday conveniences right at your fingertips, all while being close to the area's top-rated schools.

Mortgage Calculator

Est. Monthly Payment

$9,179

Principal & Interest$7,111
Property Tax$1,280
Insurance$373
HOA$415
%($256,000)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Solana Highlands Elementary · grades K-6 · Solana Beach Elementary

  • Middle

    Carmel Valley Middle · grades 7-8 · San Dieguito Union High

  • High

    Torrey Pines High · grades 9-12 · San Dieguito Union High

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

7C
Est. Monthly Rent
$4,746

15 leases of 2–4 bed condos & townhomes within 0.5 mi, same school area · $4,323–$4,965

Blended 50/50 with the zip's market median ($4,959)

Monthly Cashflow

Rent − PITIA

-$4,433
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,591

What would make this work?

$6,591/mo short at 20% down; 95% down or +$8,560/mo rent closes it.

Break-even price

67% under asking

$421,779
Break-even rent

$8,560/mo above the estimate

$13,306/mo
Cashflow at 35% down
−$5,258/mo
Down payment to break even

$1,216,000 cash

95%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,111
Cap Rate
0.71%
Cash-on-Cash
-30.90%
DSCR

Need ≥ 1.25 for DSCR loan

0.52

NOI (Annual)
$9,085
Price-to-Rent

Lower = better for investors

22.5

* 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.

Open Full Calculator
CCashflow−$6,591/mo