527 K Ave.
1 / 20

527 K Ave.

Atop 10%

National City, CA 91950

$649,000

Pass at asking: -$2,348/mo full cashflow at 20% down, 7.43% rate.

Works at $343,289 (47% under asking), or at 73% down.

Rent $3,424/mo from 12 leases of 3-bed houses within 2 mi ($3,067–$3,502).

Beds

3

Baths

2

Sqft

1,028

Year Built

1929

Days on Market

159

Property Type

Single Family

HOA/mo

N/A

MLS ID

260013355SD

This property is in National City (91950). Browse neighborhood analytics →

Virtual Tour

About This Property

Fresh Price. Fresh Staging. Fresh Opportunity! Welcome to this thoughtfully updated National City home offering comfortable living, modern improvements, and exceptional value. The flexible floor plan features two traditional bedrooms upstairs plus a spacious lower-level room with an adjacent full bathroom, creating an ideal space for guests, a home office, playroom, or additional sleeping area to fit your lifestyle. Recent improvements include fresh interior and exterior paint, updated living room flooring, a beautifully remodeled lower-level bathroom, indoor laundry hookups, a newer water heater, and completed termite clearance, allowing the next owner to enjoy many of the major improvements already completed. The home retains its original character with a cozy fireplace, abundant natural light, and inviting living spaces, while the manageable lot offers low-maintenance living with driveway and street parking. Conveniently located near shopping, dining, schools, parks, public transportation, and major commuter routes, this home combines convenience with everyday comfort. Whether you're purchasing your first home, downsizing, or adding to your investment portfolio, this property offers flexibility, charm, and outstanding value. This charming National City home is currently configured as a 3-bedroom, 2-bath residence (public records reflect 2 bedrooms) and offers a flexible floor plan designed for today's lifestyle. This versatile floor plan includes two traditional bedrooms upstairs, plus a flexible third bedroom with bathroom on the main floor that can serve as a guest room, home office, nursery, or bonus living space to fit your needs. Recent improvements include new interior and exterior paint, new living room flooring, a new water heater, a new first floor bathroom, and convenient indoor laundry hookups. For added peace of mind, the property has received termite clearance, making it an excellent opportunity for buyers seeking a well-maintained home with major improvements already completed. The home retains its original charm, including a cozy fireplace, and plenty of windows that provide natural light throughout. Situated on a low maintenance manageable lot with driveway and street parking, this centrally located property provides easy access to shopping, dining, schools, parks, public transportation, and major commuter routes. Whether you're a first-time homebuyer, downsizing, or looking for an investment opportunity, this home offers the perfect blend of character, comfort, and value. Don't miss the opportunity to own this thoughtfully updated National City gem that's ready for its next chapter.

Mortgage Calculator

Est. Monthly Payment

$4,444

Principal & Interest$3,605
Property Tax$649
Insurance$189
%($129,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Rancho de la Nacion · grades K-6 · National Elementary

  • Middle

    National City Middle · grades 7-8 · Sweetwater Union High

  • High

    Sweetwater High · grades 9-12 · Sweetwater 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.

Investment Score

55A
Est. Monthly Rent
$3,424

12 leases of 3-bed houses within 2 mi · $3,067–$3,502

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,019
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,348

What would make this work?

$2,348/mo short at 20% down; 73% down or +$3,049/mo rent closes it.

Break-even price

47% under asking

$343,289
Break-even rent

$3,049/mo above the estimate

$6,473/mo
Cashflow at 35% down
−$1,672/mo
Down payment to break even

$473,770 cash

73%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,605
Cap Rate
2.64%
Cash-on-Cash
-21.71%
DSCR

Need ≥ 1.25 for DSCR loan

0.77

NOI (Annual)
$17,146
Price-to-Rent

Lower = better for investors

15.8

* 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−$2,348/mo