3177 Katharine
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3177 Katharine

Btop 30%

Escondido, CA 92027

$1,049,000
NEW — 0d
STR limited · Escondido pilot, owners only · TOT 10%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$3,378/mo full cashflow at 20% down, 7.43% rate.

Works at $609,128 (42% under asking), or at 67% down.

Rent $6,310/mo from 8 leases of 4–6 bed houses in 92027 ($5,949–$6,639).

Beds

5

Baths

4

Sqft

3,745

Year Built

2007

Days on Market

0

Property Type

Single Family

HOA/mo

$180

MLS ID

260026349SD

This property is in Escondido (92027). View neighborhood stats →

About This Property

Elegant home in desirable Eureka Springs. Situated on a large usable lot, the home features a convenient downstairs bedroom & full bath, formal living & dining rooms, soaring ceilings, abundant natural light, tile flooring downstairs & laminate wood flooring upstairs. The inviting family room has a fireplace, the expansive kitchen showcases an oversized island, granite countertops, new stainless steel appliances, abundant cabinetry, a walk-in pantry, & a breakfast area. Upstairs, a huge loft complements spacious secondary bedrooms & a luxurious primary suite w/ separate his-and-hers closets, a deep soaking tub, separate shower, and dual vanities. Enjoy a large courtyard, spacious backyard with gazebo, and three-car garage. Ideally located near parks, shopping, and dining, with a low HOA. This wonderful home is where elegance, comfort, and effortless indoor-outdoor living come together beautifully. Soaring ceilings, expansive windows, and warm flooring create a bright and inviting atmosphere. Gracious formal living and dining rooms complement a spacious family room with a cozy fireplace, seamlessly connecting to a beautifully appointed kitchen featuring an oversized island, granite countertops, stainless steel appliances, and abundant cabinetry. Upstairs, a versatile loft offers endless possibilities, while the luxurious primary suite provides a peaceful retreat with a spa-inspired bathroom and generous walk-in closets. A charming courtyard welcomes guests, and the expansive backyard with a gazebo is perfect for entertaining or relaxing. Minutes to parks, shopping, and dining, this remarkable home offers timeless appeal and exceptional comfort. Whether you're looking for room to grow, space to entertain, or a peaceful retreat to call your own, this home delivers an exceptional lifestyle. Don't miss this wonderful opportunity to make it yours—schedule your private showing today!

Mortgage Calculator

Est. Monthly Payment

$7,363

Principal & Interest$5,828
Property Tax$1,049
Insurance$306
HOA$180
%($209,800)
%
Loan Term

Location

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Investment Score

49B
Est. Monthly Rent
$6,310

8 leases of 4–6 bed houses in 92027 · $5,949–$6,639

Monthly Cashflow

Rent − PITIA

-$1,053
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,378

What would make this work?

$3,378/mo short at 20% down; 67% down or +$4,387/mo rent closes it.

Break-even price

42% under asking

$609,128
Break-even rent

$4,387/mo above the estimate

$10,697/mo
Cashflow at 35% down
−$2,285/mo
Down payment to break even

$702,830 cash

67%
Rate to break even

at 20% down

0.33%

Mortgage (P+I)
$5,828
Cap Rate
3.16%
Cash-on-Cash
-19.32%
DSCR

Need ≥ 1.25 for DSCR loan

0.86

NOI (Annual)
$33,180
Price-to-Rent

Lower = better for investors

13.9

* 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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BCashflow−$3,378/mo