7245 Navajo Road #D380
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7245 Navajo Road #D380

Ctop 80%

San Diego, CA 92119

$548,888
STR: check · no permits in this complex · TOT 12.75%

5 licensed short-term rentals within ½ mile (5 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 30-unit complex 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: -$2,768/mo full cashflow at 20% down, 7.36% rate.

Works at $186,725 (66% under asking), or at 94% down.

Rent $2,789/mo from 9 leases of 1–3 bed condos & townhomes within 1 mi ($2,661–$2,948).

Beds

2

Baths

2

Sqft

1,259

Year Built

1987

Days on Market

57

Property Type

Condo

HOA/mo

$721

MLS ID

PTP2607024

This property is in San Diego (92119). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome home to this top floor condo with Views in the highly sought after Lomas Del Cerro community in beautiful San Carlos! Enjoy an active lifestyle hiking the trails of Cowles Mountain, playing a round at Mission Trails Golf Course, or fishing at scenic Lake Murray. This home offers an outdoor lover's paradise just a stone's throw away. Step inside and kick off your shoes as you are greeted by recently updated luxury vinyl flooring, creating a warm and inviting atmosphere. Relax in the spacious living room with a cozy fireplace, perfect for unwinding or entertaining, or step out onto the balcony to enjoy peaceful, stunning views of Cowles Mountain and the surrounding hills, an ideal spot for morning coffee or evening sunsets. The tastefully remodeled kitchen is designed to inspire. It features soft close drawers and cabinets, pull out pantry shelves, a dedicated pull out spice rack, cooking sheet cabinets, a lazy Susan corner cabinet, and elegant gold hardware and sink. With thoughtfully designed storage and modern upgrades, this kitchen offers both style and exceptional functionality for everyday living and culinary creativity. Enjoy the convenience of a designated hallway laundry area, and guests will appreciate their own full bathroom complete with shower, tub, sink, and vanity. When it is time to retire for the evening, step into your primary bedroom retreat with an ensuite bathroom including a new Jacuzzi shower, and two full size separate closets. Dual pane vinyl windows and doors throughout help maintain a quiet, peaceful ambiance for a restful night’s sleep. Residents of Lomas Del Cerro enjoy community pool and spa amenities, creating a relaxing, resort-style atmosphere just steps away from home. Ideally located close to top rated schools, shopping, dining, transit, and more, Lomas Del Cerro offers the perfect combination of comfort, convenience, and lifestyle. Rarely do opportunities like this come along in Lomas Del Cerro. Schedule your private showing today and make this beautiful condo your new home before it is gone!

Mortgage Calculator

Est. Monthly Payment

$4,458

Principal & Interest$3,028
Property Tax$549
Insurance$160
HOA$721
%($109,778)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Green Elementary · grades K-5 · San Diego Unified

  • Middle

    Pershing Middle · grades 6-8 · San Diego Unified

  • High

    Henry 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

31C
Est. Monthly Rent
$2,789

9 leases of 1–3 bed condos & townhomes within 1 mi · $2,661–$2,948

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,669
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,768

What would make this work?

$2,768/mo short at 20% down; 94% down or +$3,595/mo rent closes it.

Break-even price

66% under asking

$186,725
Break-even rent

$3,595/mo above the estimate

$6,384/mo
Cashflow at 35% down
−$2,200/mo
Down payment to break even

$515,955 cash

94%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,028
Cap Rate
0.87%
Cash-on-Cash
-30.26%
DSCR

Need ≥ 1.25 for DSCR loan

0.63

NOI (Annual)
$4,796
Price-to-Rent

Lower = better for investors

16.4

* 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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CCashflow−$2,768/mo