1923 Elm Ridge Drive
Ctop 80%Vista, CA 92081
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: -$6,116/mo full cashflow at 20% down, 7.43% rate.
Works at $403,649 (66% under asking), or at 94% down.
Rent $4,198/mo from 16 leases of 2–4 bed houses within 1 mi ($3,860–$4,219).
Beds
3
Baths
2.5
Sqft
1,631
Year Built
1988
Days on Market
1
Property Type
Single Family
HOA/mo
$132
MLS ID
PTP2607859
This property is in Vista (92081). View neighborhood stats →
About This Property
Welcome to 1923 Elm Ridge Drive, a beautifully maintained home nestled in one of Vista’s most desirable neighborhoods. This inviting residence offers the perfect blend of comfort, style, and Southern California living. Step inside to discover a bright and open floor plan filled with natural light, featuring spacious living areas ideal for both relaxing and entertaining. The thoughtfully designed kitchen flows seamlessly into the dining and family spaces, creating a warm and functional heart of the home. The property boasts generously sized bedrooms, including a serene primary suite that provides a peaceful retreat at the end of the day. Outside, the private backyard offers plenty of space for outdoor dining, gardening, or simply enjoying Vista’s year-round sunshine. Located just minutes from local parks, shopping, dining, and top-rated schools, this home combines convenience with a quiet, residential feel. With easy access to major freeways and nearby coastal attractions, it’s an ideal place to enjoy everything North County has to offer. Don’t miss the opportunity to make this charming Vista home your own.
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Est. Monthly Payment
$8,348
Location
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Zoned Schools
Elementary
Lake Elementary · grades K-5 · Vista Unified
Middle
Madison Middle · grades 6-8 · Vista Unified
High
Rancho Buena Vista High · grades 9-12 · Vista 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
$4,198
Comp Average
$4,109
1606 Wesley Way
3bd / 2.5ba · 1,523 sqft · Single Family
$875K
Est. $3,997/mo
1510 Golfcrest Place
3bd / 3ba · 1,654 sqft · Single Family
$925K
Est. $4,227/mo
1456 Countryview
3bd / 3ba · 1,654 sqft · Single Family
$1.07M
Est. $4,334/mo
1967 Spanish Oak Way
3bd / 2.5ba · 1,665 sqft · Single Family
$1.05M
Est. $4,074/mo
1736 Crystal Ridge Way
3bd / 2.5ba · 1,535 sqft · Single Family
$1.20M
Est. $3,912/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
16 leases of 2–4 bed houses within 1 mi · $3,860–$4,219
Blended 50/50 with the zip's market median ($4,276)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,116/mo short at 20% down; 94% down or +$7,943/mo rent closes it.
- Break-even price
- $403,649
- Break-even rent
- $12,141/mo
- Cashflow at 35% down
- −$4,866/mo
- Down payment to break even
- 94%
- Rate to break even
- Not reachable
66% under asking
$7,943/mo above the estimate
$1,127,999 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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