16533 4S Ranch Parkway
Ctop 80%4S Ranch, CA 92127Neighborhood: 4S Ranch
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.
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Est. Monthly Payment
$13,514
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.
Comparable Properties
5 comps foundThis Property
$7,409
Comp Average
$7,183
15859 Atkins Place
4bd / 3ba · 2,944 sqft · Single Family
$2.00M
Est. $8,213/mo
17892 Creciente Way
5bd / 5ba · 3,172 sqft · Single Family
$1.90M
Est. $7,694/mo

17052 Silver Pine
4bd / 3.5ba · 2,968 sqft · Single Family
$2.08M
Est. $6,146/mo
15260 Palomino Mesa Rd.
4bd / 3ba · 3,440 sqft · Single Family
$2.20M
Est. $6,512/mo
8490 Warden Lane
5bd / 4ba · 3,482 sqft · Single Family
$2.75M
Est. $7,350/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$9,433/mo short at 20% down; 90% down or +$12,250/mo rent closes it.
- Break-even price
- $725,982
- Break-even rent
- $19,659/mo
- Cashflow at 35% down
- −$7,391/mo
- Down payment to break even
- 90%
- Rate to break even
- Not reachable
63% under asking
$12,250/mo above the estimate
$1,754,100 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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