430 Creekside Circle
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430 Creekside Circle

Btop 30%

San Diego, CA 92114

$699,900
STR: check · no permits on this tract · TOT 12.75%

25 licensed short-term rentals within ½ mile (16 whole home), from the cities' license and permit lists of Nov 13, 2026.

None of the 24 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: -$2,685/mo full cashflow at 20% down, 7.36% rate.

Works at $348,484 (50% under asking), or at 76% down.

Rent $3,715/mo from 12 leases of 2–4 bed houses within 1 mi ($3,504–$3,845).

Beds

3

Baths

3

Sqft

1,423

Year Built

2025

Days on Market

100

Property Type

Single Family

HOA/mo

$197

MLS ID

PTP2605881

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

Virtual Tour

About This Property

Creekside Pointe | Private North-Facing Homesite, Paid Solar & Attached 2-Car Garage** Experience the benefits of brand-new construction in this private, north-facing residence at Creekside Pointe. Thoughtfully positioned within the community, this particular homesite offers greater privacy and a more peaceful setting than many of the surrounding residences in Creekside Pointe. This detached 3-bedroom, 3-bath PUD residence, not a condominium, features a contemporary three-level design with 9-foot ceilings, abundant natural light, and flexible living spaces throughout. A spacious entry foyer creates an inviting arrival and provides access to the attached two-car garage, dedicated laundry room, and convenient storage beneath the staircase. The main living level features an open-concept layout where the kitchen, dining, and living areas flow seamlessly together. The contemporary kitchen features stainless-steel appliances and modern finishes, making it equally suited for everyday living and entertaining. Enjoy fresh air from the private balcony or relax on the welcoming front porch. An upstairs landing provides valuable flex space for a home office, study area, play space, or additional storage. Both upper-level bedrooms include private ensuite bathrooms, offering comfort and separation for family members, guests, roommates, or multigenerational living. Additional features include a fully paid solar system, energy-efficient split-system heating and air conditioning, an attached two-car garage, a dedicated laundry room, and additional interior storage. Conveniently located approximately 4 miles from Naval Base San Diego, with easy access to major freeways, trolley service, shopping, dining, and everyday conveniences, this brand-new home offers modern comfort, energy efficiency, privacy, and exceptional connectivity.

Mortgage Calculator

Est. Monthly Payment

$4,963

Principal & Interest$3,862
Property Tax$700
Insurance$204
HOA$197
%($139,980)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Horton Elementary · grades PK-5 · San Diego Unified

  • Middle

    Millennial Tech Middle · grades 6-8 · San Diego Unified

  • High

    Lincoln 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

48B
Est. Monthly Rent
$3,715

12 leases of 2–4 bed houses within 1 mi · $3,504–$3,845

Blended 50/50 with the zip's market median ($3,794)

Monthly Cashflow

Rent − PITIA

-$1,247
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,685

What would make this work?

$2,685/mo short at 20% down; 76% down or +$3,487/mo rent closes it.

Break-even price

50% under asking

$348,484
Break-even rent

$3,487/mo above the estimate

$7,202/mo
Cashflow at 35% down
−$1,961/mo
Down payment to break even

$531,924 cash

76%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,862
Cap Rate
2.34%
Cash-on-Cash
-23.02%
DSCR

Need ≥ 1.25 for DSCR loan

0.75

NOI (Annual)
$16,346
Price-to-Rent

Lower = better for investors

15.7

* 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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BCashflow−$2,685/mo