634 Gardenia
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634 Gardenia

Ctop 80%

Escondido, CA 92025

$950,000
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: -$4,197/mo full cashflow at 20% down, 7.43% rate.

Works at $403,440 (58% under asking), or at 84% down.

Rent $4,496/mo from 6 leases of 4-bed houses in 92025 ($4,485–$5,045).

Beds

4

Baths

2

Sqft

2,162

Year Built

1984

Days on Market

47

Property Type

Single Family

HOA/mo

$363

MLS ID

PTP2607215

This property is in Escondido (92025). View neighborhood stats →

Virtual Tour

About This Property

Welcome to Sonata in South Escondido! Discover this spacious Spanish-style two-story home tucked into a quiet cul-de-sac and corner location in the desirable Sonata neighborhood. One of the larger floor plans in the community, this home offers a versatile layout with two bedrooms and a full bathroom conveniently located downstairs - perfect for guests, a home office, or multi-generational living. Step inside to bamboo flooring throughout the home and soaring vaulted ceilings in the family room and primary bedroom, creating an open and airy feel. The spacious primary suite features a private balcony, walk-in closet, and large bathroom with both a soaking tub and walk-in shower. The kitchen offers a cozy dining nook for everyday meals, while the separate formal dining room provides the perfect setting for entertaining family and friends. Freshly painted inside and out, the home also features several recent updates, including a new automated garage door opener, new central air controller, updated tile in the upstairs and downstairs showers, and new bathroom faucets. Enjoy the community pool just a short walk away, along with tennis and pickleball courts for recreation and an active lifestyle. Beyond the community, you’ll love the location near Kit Carson Park, local wineries, bike trails, golf courses, and the famous San Diego Zoo Safari Park. With easy access to the I-15 freeway, shopping, dining, parks, and the scenic San Pasqual Valley, this home offers a peaceful residential setting with plenty to explore nearby. Come see the space, layout, and lifestyle this Sonata home has to offer!

Mortgage Calculator

Est. Monthly Payment

$6,868

Principal & Interest$5,278
Property Tax$950
Insurance$277
HOA$363
%($190,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    L. R. Green Elementary · grades K-5 · Escondido Union

  • Middle

    Bear Valley Middle · grades 6-8 · Escondido Union

  • High

    San Pasqual 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.

Investment Score

25C
Est. Monthly Rent
$4,496

6 leases of 4-bed houses in 92025 · $4,485–$5,045

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,372
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,197

What would make this work?

$4,197/mo short at 20% down; 84% down or +$5,451/mo rent closes it.

Break-even price

58% under asking

$403,440
Break-even rent

$5,451/mo above the estimate

$9,947/mo
Cashflow at 35% down
−$3,208/mo
Down payment to break even

$798,000 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,278
Cap Rate
1.65%
Cash-on-Cash
-26.51%
DSCR

Need ≥ 1.25 for DSCR loan

0.65

NOI (Annual)
$15,661
Price-to-Rent

Lower = better for investors

17.6

* 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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CCashflow−$4,197/mo