
17052 Silver Pine
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: -$11,332/mo full cashflow at 20% down, 7.43% rate.
Works at $599,572 (71% under asking), or at 99% down.
Rent $6,117/mo from 10 leases of 3–5 bed houses within 1 mi ($5,646–$7,041).
Beds
4
Baths
3.5
Sqft
2,968
Year Built
2005
Days on Market
46
Property Type
Single Family
HOA/mo
$105
MLS ID
260023091SD
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
Located in a sought-after 4S Ranch neighborhood within the award-winning Poway Unified School District, this beautifully upgraded home offers OWNED solar, a highly desirable floor plan, and exceptional indoor-outdoor living. Freshly painted throughout with brand NEW luxury vinyl plank flooring (no carpet). Nine foot ceilings downstairs, impressive 8-inch crown molding, and stylish updated finishes throughout. The spacious family room with fireplace flows into the refreshed chef’s kitchen featuring updated kitchen cabinets, stainless Thermador appliances, Silestone countertops, large center island, walk-in pantry, and breakfast area with French doors opening to the backyard. A separate downstairs bonus living space overlooking the charming interior courtyard is ideal as a home office, den, or additional sitting room. Designed for entertaining, the backyard features beautiful hardscaping, a pergola-covered patio, tranquil fountain, and putting green. The private interior courtyard off the dining room provides another inviting outdoor retreat. Upstairs, the expansive primary suite offers two walk-in closets and a spa-inspired bath with dual vanities, soaking tub, and large walk-in shower. One secondary bedroom is ensuite, ideal for guests. Additional features include dual-zone A/C, French doors with built-in blinds, ceiling fans, fire sprinklers, upstairs laundry with sink and hanging bar, and a three-car tandem garage. Ideally located near parks, shopping, restaurants, library, hiking trails, and Pioneer Park with expansive green space, basketball courts, and a splash pad.
Mortgage Calculator
Est. Monthly Payment
$14,313
Location
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Zoned Schools
Elementary
Monterey Ridge 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
$6,117
Comp Average
$6,793
15859 Atkins Place
4bd / 3ba · 2,944 sqft · Single Family
$2.00M
Est. $6,948/mo
7714 Concerto
3bd / 3.5ba · 3,038 sqft · Single Family
$2.40M
Est. $8,022/mo
16533 4s Ranch Parkway
5bd / 3ba · 3,112 sqft · Single Family
$1.95M
Est. $6,360/mo
10145 Prairie Fawn Dr
4bd / 3ba · 2,690 sqft · Single Family
$1.88M
Est. $5,849/mo
8745 Tillage Lane
4bd / 4.5ba · 3,058 sqft · Single Family
$2.80M
Est. $6,787/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 3–5 bed houses within 1 mi · $5,646–$7,041
Blended 50/50 with the zip's market median ($6,367)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$11,332/mo short at 20% down; 99% down or +$14,716/mo rent closes it.
- Break-even price
- $599,572
- Break-even rent
- $20,833/mo
- Cashflow at 35% down
- −$9,170/mo
- Down payment to break even
- 99%
- Rate to break even
- Not reachable
71% under asking
$14,716/mo above the estimate
$2,054,250 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
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