16485 Veridian Circle
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16485 Veridian Circle

Ctop 80%

4S Ranch, CA 92127Neighborhood: Del Sur

$1,099,999
NEW — 0d
STR: check · no permits in this complex · TOT 11.75%

1 licensed short-term rental within ½ mile (0 whole home), from the cities' license and permit lists of Nov 14, 2026.

No unit in this 12-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: -$4,931/mo full cashflow at 20% down, 7.36% rate.

Works at $454,778 (59% under asking), or at 85% down.

Rent $5,231/mo from 13 leases of 3–5 bed condos & townhomes within 2 mi ($4,471–$7,728).

Beds

4

Baths

3.5

Sqft

1,858

Year Built

2017

Days on Market

0

Property Type

Condo

HOA/mo

$552

MLS ID

NDP2610093

This property is in 4S Ranch (92127). View neighborhood stats →

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About This Property

Welcome to 16485 Veridian Circle, a beautifully maintained 4-bedroom, 3.5-bath townhome in Veridian, the gated townhome community in the heart of 4S Ranch. Built in 2017 with fresh new paint throughout, this 1,858 sq ft tri-level home offers light-filled living space and the flexibility buyers want in 92127 - an open-concept main level made for everyday living and entertaining, a comfortable primary suite, and extra bedrooms that work perfectly as guest space, a home office, or both. The modern kitchen, finished with stainless steel appliances, anchors the main living area and flows into the dining and living spaces, so the home lives easily from morning coffee to weekend gatherings. A private patio and balcony extend the living outdoors - room for morning coffee, container gardens, or an evening glass of wine. The garage adds built-in storage for everything else. Set on a quiet interior street inside the gates, you will enjoy privacy, low-maintenance townhome living, and pride of ownership throughout. Outside your door: Parks, pools, hiking and biking trails, community events, and the shops and dining of the Del Sur Town Center, plus top-rated Poway Unified schools. Easy access to Hwy 56, I-15, and Rancho Santa Fe for commuting and weekends alike. Townhome ease, the San Diego lifestyle - come see why Veridian is one of 92127's most loved communities. Schedule your private showing today!

Mortgage Calculator

Est. Monthly Payment

$8,042

Principal & Interest$6,069
Property Tax$1,100
Insurance$321
HOA$552
%($220,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Stone Ranch Elementary · grades K-5 · Poway Unified

  • Middle

    Oak Valley Middle · grades 6-8 · Poway Unified

  • High

    Del Norte 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

16C
Est. Monthly Rent
$5,231

13 leases of 3–5 bed condos & townhomes within 2 mi · $4,471–$7,728

Blended 50/50 with the zip's market median ($5,809)

Monthly Cashflow

Rent − PITIA

-$2,811
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,931

What would make this work?

$4,931/mo short at 20% down; 85% down or +$6,404/mo rent closes it.

Break-even price

59% under asking

$454,778
Break-even rent

$6,404/mo above the estimate

$11,635/mo
Cashflow at 35% down
−$3,793/mo
Down payment to break even

$934,999 cash

85%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,069
Cap Rate
1.53%
Cash-on-Cash
-26.89%
DSCR

Need ≥ 1.25 for DSCR loan

0.65

NOI (Annual)
$16,797
Price-to-Rent

Lower = better for investors

17.5

* Modelled at 20% down, 7.36% 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−$4,931/mo