17892 Creciente Way
Ctop 80%4S Ranch, CA 92127Neighborhood: Rancho Bernardo
2 licensed short-term rentals within ½ mile (1 whole home), from the cities' license and permit lists of Nov 8, 2026.
None of the 17 homes on this home's recorded tract holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.
Pass at asking: -$9,437/mo full cashflow at 20% down, 7.43% rate.
Works at $670,286 (65% under asking), or at 92% down.
Rent $7,530/mo from 9 leases of 4–6 bed houses within 0.5 mi, same school area ($6,741–$8,373).
Beds
5
Baths
5
Sqft
3,172
Year Built
1986
Days on Market
45
Property Type
Single Family
HOA/mo
$650
MLS ID
PTP2607178
This property is in 4S Ranch (92127). View neighborhood stats →
About This Property
Tucked into the sought-after Westwood neighborhood of Rancho Bernardo, this exceptional residence has been thoughtfully reimagined from the inside out, with more than $800,000 invested in its expansion and renovation. Located within the Poway Unified School District and less than a mile from Westwood Elementary. The distinction is in the details. European-sourced tile, countertops, and cabinetry introduce a refined, modern aesthetic, while custom floor-to-ceiling windows frame views toward Lake Hodges and fill the interiors with natural light throughout the day. The kitchen is equally considered, anchored by premium Sub-Zero appliances and finishes selected to complement the home’s modern architecture. Designed with both flexibility and privacy in mind, the expansive floor plan features four primary suites, including two on the first floor, along with a generous loft and dedicated playroom. The result is a home that adapts effortlessly to everyday living, extended family, guests, working from home, and entertaining. Behind the finishes is an equally thoughtful collection of functional upgrades such as dual HVAC systems that allow each level to be conditioned independently, a whole-house water filtration system, a newer roof, 36 solar panels, and an ADT security system. From its substantial renovation to its elevated materials, flexible layout, and views toward Lake Hodges, this is a home where the investment is evident in both the details you see and the systems you don’t. The HOA is an annual fee that gives residents access to the Westwood club and recreation. No mello-roos or monthly HOA.
Mortgage Calculator
Est. Monthly Payment
$13,653
Location
Loading map...
Zoned Schools
Elementary
Westwood Elementary · grades K-5 · Poway Unified
Middle
Bernardo Heights Middle · grades 6-8 · Poway Unified
High
Rancho Bernardo 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
$7,530
Comp Average
$6,919
15859 Atkins Place
4bd / 3ba · 2,944 sqft · Single Family
$2.00M
Est. $8,271/mo
16533 4s Ranch Parkway
5bd / 3ba · 3,112 sqft · Single Family
$1.95M
Est. $6,360/mo
17052 Silver Pine
4bd / 3.5ba · 2,968 sqft · Single Family
$2.08M
Est. $6,117/mo
15260 Palomino Mesa Rd.
4bd / 3ba · 3,440 sqft · Single Family
$2.20M
Est. $6,491/mo
8490 Warden Lane
5bd / 4ba · 3,482 sqft · Single Family
$2.75M
Est. $7,355/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
9 leases of 4–6 bed houses within 0.5 mi, same school area · $6,741–$8,373
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$9,437/mo short at 20% down; 92% down or +$12,256/mo rent closes it.
- Break-even price
- $670,286
- Break-even rent
- $19,786/mo
- Cashflow at 35% down
- −$7,459/mo
- Down payment to break even
- 92%
- Rate to break even
- Not reachable
65% under asking
$12,256/mo above the estimate
$1,747,080 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.
Open Full Calculator