1967 Spanish Oak Way
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: -$5,070/mo full cashflow at 20% down, 7.49% rate.
Works at $392,571 (63% under asking), or at 90% down.
Rent $4,081/mo from 15 leases of 2–4 bed houses within 1 mi, same school area ($3,880–$4,328).
Beds
3
Baths
2.5
Sqft
1,665
Year Built
1989
Days on Market
45
Property Type
Single Family
HOA/mo
$114
MLS ID
260022854SD
This property is in Vista (92081). View neighborhood stats →
About This Property
REMODELED SHADOWRIDGE HOME Offering 3 bedrooms, 2.5 bathrooms, and 1,665 sq. ft., this light-filled home features an open main level with vaulted ceilings, wide-plank flooring, and a dramatic living room with a custom fireplace and floor-to-ceiling tile surround. The updated kitchen includes quartz countertops, stainless steel appliances, upgraded cabinetry, stylish fixtures, and a large island with seating, opening seamlessly to the dining and living areas. Upstairs, the spacious primary suite offers abundant natural light, a walk-in closet, and an updated bathroom with dual sinks. The third bedroom is currently configured as an office with built-ins that can be removed. Additional features include central air conditioning, newer windows and sliding doors, an EcoWater whole-house softener and filtration system, and an attached two-car garage. The private, low-maintenance backyard is designed for easy outdoor living with artificial turf, mature palms, vinyl fencing, and a covered patio. Located in the Sea Vista community, residents also enjoy access to the community pool.
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Est. Monthly Payment
$7,338
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
$4,081
Comp Average
$4,079
1120 Harvest Lane
3bd / 2ba · 1,476 sqft · Single Family
$799K
Est. $3,913/mo
1012 Brewley Ln
3bd / 2.5ba · 1,755 sqft · Single Family
$829K
Est. $3,997/mo
1762 Spyglass Circle
3bd / 2.5ba · 1,835 sqft · Single Family
$874K
Est. $4,284/mo
1606 Wesley Way
3bd / 2.5ba · 1,523 sqft · Single Family
$875K
Est. $3,988/mo
1510 Golfcrest Place
3bd / 3ba · 1,654 sqft · Single Family
$925K
Est. $4,214/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
15 leases of 2–4 bed houses within 1 mi, same school area · $3,880–$4,328
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,070/mo short at 20% down; 90% down or +$6,585/mo rent closes it.
- Break-even price
- $392,571
- Break-even rent
- $10,666/mo
- Cashflow at 35% down
- −$3,970/mo
- Down payment to break even
- 90%
- Rate to break even
- Not reachable
63% under asking
$6,585/mo above the estimate
$945,000 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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