17052 Silver Pine
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17052 Silver Pine

Ctop 80%

4S Ranch, CA 92127Neighborhood: 4S Ranch

$2,075,000
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: -$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 →

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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

Principal & Interest$11,527
Property Tax$2,075
Insurance$605
HOA$105
%($415,000)
%
Loan Term

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.

Investment Score

3C
Est. Monthly Rent
$6,117

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)

Monthly Cashflow

Rent − PITIA

-$8,195
Full Cashflow

Incl. vacancy, PM, maint, capex

-$11,332

What would make this work?

$11,332/mo short at 20% down; 99% down or +$14,716/mo rent closes it.

Break-even price

71% under asking

$599,572
Break-even rent

$14,716/mo above the estimate

$20,833/mo
Cashflow at 35% down
−$9,170/mo
Down payment to break even

$2,054,250 cash

99%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$11,527
Cap Rate
0.29%
Cash-on-Cash
-32.77%
DSCR

Need ≥ 1.25 for DSCR loan

0.43

NOI (Annual)
$6,021
Price-to-Rent

Lower = better for investors

28.3

* 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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CCashflow−$11,332/mo