16533 4S Ranch Parkway

16533 4S Ranch Parkway

Ctop 80%

4S Ranch, CA 92127Neighborhood: 4S Ranch

$1,949,000
STR: check · HOA rules unknown · TOT 8%

HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.

Pass at asking: -$9,433/mo full cashflow at 20% down, 7.49% rate.

Works at $725,982 (63% under asking), or at 90% down.

Rent $7,409/mo from 9 leases of 4–6 bed houses within 1 mi ($6,241–$6,918).

Beds

5

Baths

3

Sqft

3,112

Year Built

2003

Days on Market

—

Property Type

Single Family

HOA/mo

$105

MLS ID

NDP2609871

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

About This Property

Welcome to this beautifully remodeled home on a charming, tree-lined street in 4S Ranch. Filled with natural light, the thoughtfully designed floor plan offers formal living and dining spaces that flow into an inviting great room. The open kitchen features white cabinetry, quartz countertops, stainless steel appliances, updated fixtures, an oversized island, and a casual dining area overlooking the family room. Engineered hardwood flooring adds warmth throughout the living spaces. A first-floor bedroom and full bathroom provide flexibility for guests or multigenerational living. Upstairs, you’ll find four additional bedrooms and two remodeled bathrooms. The spacious primary suite overlooks the tree-lined street and includes a versatile adjoining room ideal for an office or nursery. Its beautifully updated bathroom features a freestanding soaking tub, separate walk-in shower, and a generous closet with built-in organizers. Outdoor spaces wrap around the home, including a courtyard off the kitchen and a separate patio and yard with room for play, dining, and entertaining. A three-car garage provides ample parking and storage. Enjoy the convenience of nearby parks, green spaces, sports fields, the public library, and 4S Town Center’s shopping and dining, as well as Poway Unified School District schools. This move-in-ready home combines a versatile layout with an exceptional 4S Ranch location.

Mortgage Calculator

Est. Monthly Payment

$13,514

Principal & Interest$10,891
Property Tax$1,949
Insurance$568
HOA$105
%($389,800)
%
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

11C
Est. Monthly Rent
$7,409

9 leases of 4–6 bed houses within 1 mi · $6,241–$6,918

Blended 50/50 with the zip's market median ($8,257)

Monthly Cashflow

Rent − PITIA

-$6,104
Full Cashflow

Incl. vacancy, PM, maint, capex

-$9,433

What would make this work?

$9,433/mo short at 20% down; 90% down or +$12,250/mo rent closes it.

Break-even price

63% under asking

$725,982
Break-even rent

$12,250/mo above the estimate

$19,659/mo
Cashflow at 35% down
−$7,391/mo
Down payment to break even

$1,754,100 cash

90%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$10,891
Cap Rate
1.13%
Cash-on-Cash
-29.04%
DSCR

Need ≥ 1.25 for DSCR loan

0.55

NOI (Annual)
$21,951
Price-to-Rent

Lower = better for investors

21.9

* Modelled at 20% down, 7.49% 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−$9,433/mo