463 Creekside Circle
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463 Creekside Circle

Atop 10%

San Diego, CA 92114

$659,900
STR: check · no permits on this tract · TOT 12.75%

19 licensed short-term rentals within ½ mile (17 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: -$2,380/mo full cashflow at 20% down, 7.36% rate.

Works at $348,301 (47% under asking), or at 73% down.

Rent $3,713/mo from 12 leases of 2–4 bed houses within 1 mi ($3,501–$3,841).

Beds

3

Baths

3

Sqft

1,420

Year Built

2025

Days on Market

288

Property Type

Single Family

HOA/mo

$196.8

MLS ID

260002107SD

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

Virtual Tour

About This Property

NEW CONSTRUCTION!!! Airy and move in ready! Front balcony off of main living area. 3 Bedrooms 3 Full Baths, high ceilings and open stairwells give the property a spacious feeling. Paid for solar, separate laundry room and a welcoming foyer make this a great home. Close to the 15, 5, 805, 94, 8, 125 and downtown SD. Trolley is in walking distance along with supermarket, restaurants and schools. Mini splits supply heat and AC. Welcome to your new home! Close to 32nd Street, Miramar and so much more.

Mortgage Calculator

Est. Monthly Payment

$4,690

Principal & Interest$3,641
Property Tax$660
Insurance$192
HOA$197
%($131,980)
%
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

54A
Est. Monthly Rent
$3,713

12 leases of 2–4 bed houses within 1 mi · $3,501–$3,841

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

Monthly Cashflow

Rent − PITIA

-$977
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,380

What would make this work?

$2,380/mo short at 20% down; 73% down or +$3,091/mo rent closes it.

Break-even price

47% under asking

$348,301
Break-even rent

$3,091/mo above the estimate

$6,804/mo
Cashflow at 35% down
−$1,698/mo
Down payment to break even

$481,727 cash

73%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,641
Cap Rate
2.63%
Cash-on-Cash
-21.64%
DSCR

Need ≥ 1.25 for DSCR loan

0.79

NOI (Annual)
$17,353
Price-to-Rent

Lower = better for investors

14.8

* 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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ACashflow−$2,380/mo