16883 Saint Andrews Drive
1 / 20

16883 Saint Andrews Drive

D

Poway, CA 92064

$2,499,000

Soft Appraisal Value: $2,426,700 · 3.0% above estimate

Beds

5

Baths

5.5

Sqft

4,481

Year Built

1991

Days on Market

65

Property Type

Single Family

HOA/mo

$225

MLS ID

NDP2602496

This property is in Poway (92064). View neighborhood stats →

Virtual Tour

About This Property

A rare opportunity in Poway featuring a fully permitted detached ADU, owned solar on a grandfathered NEM 2.0 agreement, and a resort-style backyard, all set within the highly sought-after Serenata neighborhood and zoned for top-rated Poway Unified schools with no Mello-Roos. Spanning 5,366 sqft of total improved living space, including a 4,481 sqft main residence and an 885 sqft permitted ADU, the home opens to a dramatic two-story living room with a stone fireplace and a full wall of windows that flood the space with natural light. The kitchen features quartz countertops, stainless steel appliances, and a bright breakfast nook overlooking the backyard. The primary suite is designed as a true retreat with its own fireplace, spa-inspired bath with freestanding soaking tub, and a spacious walk-in closet. Upstairs bedrooms and flexible living areas open to a private balcony. The standout feature is the fully detached and permitted 885 sqft ADU, originally approved by the City of Poway in 1994, offering its own kitchen, living area, bedroom, full bathroom, and private laundry. This is a true second residence, not a conversion, and is legally rentable, making it ideal for multigenerational living, extended guests, a dedicated workspace, or rental income. Its permitted status allows it to be recognized in financing and appraisal, a meaningful advantage for buyers. The backyard is designed for both everyday living and entertaining, featuring a heated pool and spa, covered patio, gazebo lounge, and multiple gathering areas. Developing fruit and herb garden with plantings including avocado, mandarin, fig, pomegranate, guava, and grapevines. Additional improvements include engineered hardwood flooring, remodeled bathrooms, quartz kitchen upgrades, recessed lighting, upgraded HVAC, and a professionally finished four-car garage with epoxy flooring. The 29-panel owned solar system includes battery backup and operates under a confirmed NEM 2.0 agreement that transfers to the new owner, currently generating net-positive utility credits. Roof underlayment was replaced in 2017 at the time of installation. Minutes from parks, trails, golf, and top Poway schools. A rare combination of space, flexibility, and permitted possibility.

Mortgage Calculator

Est. Monthly Payment

$16,089

Principal & Interest$12,636
Property Tax$2,499
Insurance$729
HOA$225
%($499,800)
%

Location

Loading map...

Investment Score

3D
Est. Monthly Rent
$7,900
Monthly Cashflow

Rent − PITIA

$-8,189
Full Cashflow

Incl. vacancy, PM, maint, capex

$-12,089

Mortgage (P+I)
$12,636
Cap Rate
0.26%
Cash-on-Cash
-29.02%
DSCR

Need ≥ 1.25 for DSCR loan

0.49
Break-even Rent
$23,600

NOI (Annual)
$6,570
Price-to-Rent

Lower = better for investors

26.4

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Get Expert AnalysisOpen Full Calculator