495 San Pasqual Valley Road #152
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495 San Pasqual Valley Road #152

Atop 10%

Escondido, CA 92027

$279,000
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: -$1,215/mo full cashflow at 20% down, 7.43% rate.

Works at $120,743 (57% under asking), or at 83% down.

Rent $1,982/mo from 16 leases of studio–2 bed condos & townhomes within 1 mi ($1,825–$2,261).

Beds

1

Baths

1

Sqft

644

Year Built

1987

Days on Market

94

Property Type

Condo

HOA/mo

$599

MLS ID

NDP2607454

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

Virtual Tour

About This Property

VA Approved Community! Welcome home to this charming and affordable upper-level 1-bedroom, 1-bathroom condo in Escondido! High vaulted ceilings create an expansive living area featuring warm wood-look flooring and direct sliding door access to a private balcony. The well-appointed kitchen is complete with granite countertops, a raised breakfast bar, stainless steel appliances, and corner windows. Enjoy the convenience of in-unit laundry with an included stacked washer and dryer. The HOA covers water, trash, and common area maintenance, while offering fantastic community amenities including a pool and gym. The unit also comes with one assigned parking space. Conveniently located near shopping, dining, ease of freeway access points and local recreation—ideal for first-time buyers or low-maintenance living!

Mortgage Calculator

Est. Monthly Payment

$2,509

Principal & Interest$1,550
Property Tax$279
Insurance$81
HOA$599
%($55,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Central Elementary · grades K-5 · Escondido Union

  • Middle

    Del Dios Academy of Arts and Sciences · grades 6-8 · Escondido Union

  • High

    Orange Glen High · grades 9-12 · Escondido Union High

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

3 comps found

This Property

$1,982

vs

Comp Average

$1,998

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

57A
Est. Monthly Rent
$1,982

16 leases of studio–2 bed condos & townhomes within 1 mi · $1,825–$2,261

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$527
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,215

What would make this work?

$1,215/mo short at 20% down; 83% down or +$1,578/mo rent closes it.

Break-even price

57% under asking

$120,743
Break-even rent

$1,578/mo above the estimate

$3,560/mo
Cashflow at 35% down
−$925/mo
Down payment to break even

$231,570 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$1,550
Cap Rate
1.87%
Cash-on-Cash
-26.14%
DSCR

Need ≥ 1.25 for DSCR loan

0.79

NOI (Annual)
$5,205
Price-to-Rent

Lower = better for investors

11.7

* 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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ACashflow−$1,215/mo