8647 Circle R Valley
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8647 Circle R Valley

Btop 30%

Escondido, CA 92026

$599,500
STR: check · HOA rules unknown · TOT 8%

HOA rules unknown: an HOA can ban stays under 30 days (Civ. Code §4741), and no permit on file shows this one allows them. Get the CC&Rs.

Pass at asking: -$2,729/mo full cashflow at 20% down, 7.36% rate.

Works at $242,391 (60% under asking), or at 87% down.

Rent $3,023/mo from 8 leases of 1–3 bed condos & townhomes in 92026 ($2,852–$3,277).

Beds

2

Baths

2

Sqft

1,266

Year Built

1983

Days on Market

118

Property Type

Townhouse

HOA/mo

$475

MLS ID

260017656SD

This property is in Escondido (92026). Browse neighborhood analytics →

Virtual Tour

About This Property

Set in a peaceful community in North Escondido, this single-level attached home offers mountain and golf course views, beautiful natural light, and a relaxing setting just off I-15. Expansive windows, vaulted ceilings, and solid flooring create an open, comfortable feel throughout. Inside, you’ll find an updated kitchen with quartz countertops and stainless steel appliances, updated bathroom vanities, and custom storage in the primary closet. The two-bedroom, two-bath layout offers flexibility for guests, a home office, creative space, or quiet retreat. The custom window seat is the perfect place to enjoy the light, views, and a morning cup of coffee or read a book. The paver patio overlooks the golf course and provides peaceful outdoor space. Tucked away yet connected, the home offers easy access to I-15, Escondido shopping, North County Mall, San Diego Zoo Safari Park, Oceanside beaches, Temecula wine country, Camp Pendleton, and San Diego International Airport. Enjoy low-maintenance North County living with a nearby community pool, attached garage with laundry, additional dedicated parking space, and HOA coverage for water, sewer, and common area landscaping.

Mortgage Calculator

Est. Monthly Payment

$4,557

Principal & Interest$3,308
Property Tax$600
Insurance$175
HOA$475
%($119,900)
%
Loan Term

Location

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Zoned Schools

  • High

    Valley Center High · grades 9-12 · Valley Center-Pauma 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

37B
Est. Monthly Rent
$3,023

8 leases of 1–3 bed condos & townhomes in 92026 · $2,852–$3,277

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,534
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,729

What would make this work?

$2,729/mo short at 20% down; 87% down or +$3,544/mo rent closes it.

Break-even price

60% under asking

$242,391
Break-even rent

$3,544/mo above the estimate

$6,567/mo
Cashflow at 35% down
−$2,109/mo
Down payment to break even

$521,565 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,308
Cap Rate
1.46%
Cash-on-Cash
-27.31%
DSCR

Need ≥ 1.25 for DSCR loan

0.66

NOI (Annual)
$8,757
Price-to-Rent

Lower = better for investors

16.5

* 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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BCashflow−$2,729/mo