
438 Creekside Circle
Btop 30%San Diego, CA 92114
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: -$2,532/mo full cashflow at 20% down, 7.36% rate.
Works at $348,484 (49% under asking), or at 75% 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
102
Property Type
Single Family
HOA/mo
$197
MLS ID
PTP2605833
This property is in San Diego (92114). Browse neighborhood analytics →
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
$4,826
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.
Comparable Properties
5 comps foundThis Property
$3,715
Comp Average
$3,678
5282 Naranja Street
3bd / 3ba · 1,423 sqft · Single Family
$539K
Est. $3,625/mo
463 Creekside Circle
3bd / 3ba · 1,420 sqft · Single Family
$660K
Est. $3,713/mo
426 Creekside Circle
3bd / 3ba · 1,423 sqft · Single Family
$680K
Est. $3,715/mo
430 Creekside Circle
3bd / 3ba · 1,423 sqft · Single Family
$700K
Est. $3,715/mo
462 Creekside Circle
3bd / 3ba · 1,423 sqft · Single Family
$716K
Est. $3,624/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,532/mo short at 20% down; 75% down or +$3,288/mo rent closes it.
- Break-even price
- $348,484
- Break-even rent
- $7,003/mo
- Cashflow at 35% down
- −$1,829/mo
- Down payment to break even
- 75%
- Rate to break even
- Not reachable
49% under asking
$3,288/mo above the estimate
$509,925 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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