1745 Plaza Crest Ridge Rd
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1745 Plaza Crest Ridge Rd

Atop 10%

San Diego, CA 92114

$870,000
NEW — 1d
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$2,687/mo full cashflow at 20% down, 7.36% rate.

Works at $518,416 (40% under asking), or at 65% down.

Rent $5,145/mo from 30 leases of houses within 2 mi, size-adjusted ($4,739–$5,460).

Beds

6

Baths

3.5

Sqft

2,488

Year Built

1983

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026912SD

This property is in San Diego (92114). Browse neighborhood analytics →

About This Property

Large Paradise Hill House priced below the market for quick closing. This two-story San Diego home offers 6 bedrooms, 3.5 bathrooms, and approximately 2,488 square feet of comfortable living space in a mature, welcoming neighborhood. The main level features a cozy living room with a fireplace and an expansive kitchen and dining area enhanced by recessed lighting. The kitchen offers generous storage and workspace, making it ideal for everyday living and entertaining. Upstairs, six bedrooms provide ample closet space and flexible options for family, guests, or a home office. Three full bathrooms are conveniently located on the second floor. An additional hallway countertop with a sink and cabinets provides extra storage and convenience, making it ideal for a coffee station, refreshment area, or added everyday functionality. Step outside to enjoy a private outdoor space ready for entertaining, relaxing, gardening, or creating your own backyard retreat. A two-car garage and exceptionally generous driveway provide abundant parking and storage. Adding to the property's unique setting, there are two separate access routes that connect through the hillside toward Parkland Way. Buyers are encouraged to independently verify access, boundaries, and any related easements or rights of way. Conveniently located near shopping, dining, parks, schools, and major transportation routes, this home offers a blend of comfort, functionality, and the Southern California lifestyle. Don't miss the opportunity to make this San Diego property your own.

Mortgage Calculator

Est. Monthly Payment

$5,924

Principal & Interest$4,800
Property Tax$870
Insurance$254
%($174,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Bethune K-8 · grades K-8 · San Diego Unified

  • Middle

    Bell Middle · grades 6-8 · San Diego Unified

  • High

    Morse High · grades 9-12 · San Diego 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

57A
Est. Monthly Rent
$5,145

30 leases of houses within 2 mi, size-adjusted · $4,739–$5,460

Monthly Cashflow

Rent − PITIA

-$779
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,687

What would make this work?

$2,687/mo short at 20% down; 65% down or +$3,490/mo rent closes it.

Break-even price

40% under asking

$518,416
Break-even rent

$3,490/mo above the estimate

$8,635/mo
Cashflow at 35% down
−$1,787/mo
Down payment to break even

$565,500 cash

65%
Rate to break even

at 20% down

0.60%

Mortgage (P+I)
$4,800
Cap Rate
3.27%
Cash-on-Cash
-18.53%
DSCR

Need ≥ 1.25 for DSCR loan

0.87

NOI (Annual)
$28,439
Price-to-Rent

Lower = better for investors

14.1

* Modelled at 20% down, 7.36% 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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ACashflow−$2,687/mo