5282 Naranja Street #11
Atop 10%San Diego, CA 92114
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: -$1,525/mo full cashflow at 20% down, 7.36% rate.
Works at $339,464 (37% under asking), or at 62% down.
Rent $3,625/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
173
Property Type
Single Family
HOA/mo
$197
MLS ID
PTP2603973
This property is in San Diego (92114). Browse neighborhood analytics →
About This Property
Brand-new construction 3BR, 3BA townhome-style detached PUD (not a condo) featuring modern design and efficient use of space. Highlights include a sleek stainless-steel kitchen, separate laundry room, airy balcony and front porch, 9-foot ceilings, large foyer, attached two-car garage, and a paid solar system. The upstairs landing offers a flexible study, play, or storage area. Both third-floor bedrooms feature ensuite bathrooms. Heating and cooling are provided by split systems, with additional storage located under the stairs at the entry level. This property is part of the City of San Diego Inclusionary Affordable Housing Program and is available to qualified buyers only. Income limits, resale restrictions, and owner-occupancy requirements apply. Buyer eligibility and program approval are required before purchase. Conveniently located near Downtown San Diego with nearby access to trolley, shopping, and dining, plus easy access to major freeways. A rare opportunity to own new construction at an attainable price point.
Mortgage Calculator
Est. Monthly Payment
$3,867
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
$3,625
Comp Average
$3,666
5282 Naranja Street
3bd / 3ba · 1,423 sqft · Single Family
$539K
Est. $3,625/mo
5282 Naranja
3bd / 3ba · 1,420 sqft · Single Family
$539K
Est. $3,561/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
438 Creekside Circle
3bd / 3ba · 1,423 sqft · Single Family
$680K
Est. $3,715/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 a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,525/mo short at 20% down; 62% down or +$1,980/mo rent closes it.
- Break-even price
- $339,464
- Break-even rent
- $5,605/mo
- Cashflow at 35% down
- −$967/mo
- Down payment to break even
- 62%
- Rate to break even
- 1.31%
37% under asking
$1,980/mo above the estimate
$334,180 cash
at 20% down
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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