925 Valley
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925 Valley

Ctop 80%

Vista, CA 92084

$1,450,000

Pass at asking: -$7,100/mo full cashflow at 20% down, 7.36% rate.

Works at $520,899 (64% under asking), or at 92% down.

Rent $5,170/mo from 8 leases of 2–4 bed houses within 2 mi ($4,869–$5,284).

Beds

3

Baths

2.5

Sqft

2,720

Year Built

2004

Days on Market

59

Property Type

Single Family

HOA/mo

N/A

MLS ID

ND26200762

This property is in Vista (92084). Browse neighborhood analytics →

About This Property

Welcome to 925 Valley Drive, a beautifully designed single-story residence offering approximately 2,720 square feet of living space on an expansive half-acre lot in Vista. Featuring 3 bedrooms, 2.5 bathrooms and a spacious 3-car garage, this home combines comfortable everyday living with an impressive setting and plenty of room to enjoy the Southern California lifestyle.A welcoming courtyard entry sets the tone as you enter the home. Inside, the open and inviting floor plan features a well-appointed kitchen with granite countertops, travertine backsplash, maple cabinetry, center island with breakfast bar, stainless-steel appliances and double ovens. The adjoining dining and family areas create an ideal layout for entertaining, while the family room is highlighted by a fireplace and built-in cabinetry.The primary bedroom provides a private retreat with French doors leading outdoors, a generous walk-in closet and an ensuite bath featuring dual vanities, soaking tub and separate shower. Two additional bedrooms provide flexibility for family, guests or a home office.Outside, enjoy a covered patio, open yard space and the privacy and possibilities that come with a large residential lot. The property also offers city-light, mountain, valley and panoramic views, creating an appealing backdrop for relaxing or entertaining.Another standout feature is the home's exceptionally convenient proximity to Monte Vista Elementary School, located just a short distance away. This close-to-school location can make the daily routine especially convenient for households with elementary-age children while adding to the property's overall neighborhood appeal.With its single-level design, generous lot, 3-car garage, spacious interior, nearby elementary school and desirable Vista location, 925 Valley Drive offers a rare combination of space, privacy and convenience. A wonderful opportunity to make a distinctive North County property your next home.

Mortgage Calculator

Est. Monthly Payment

$9,873

Principal & Interest$8,000
Property Tax$1,450
Insurance$423
%($290,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Monte Vista Elementary · grades K-5 · Vista Unified

  • Middle

    Madison Middle · grades 6-8 · Vista Unified

  • High

    Rancho Buena Vista High · grades 9-12 · Vista 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

10C
Est. Monthly Rent
$5,170

8 leases of 2–4 bed houses within 2 mi · $4,869–$5,284

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$4,703
Full Cashflow

Incl. vacancy, PM, maint, capex

-$7,100

What would make this work?

$7,100/mo short at 20% down; 92% down or +$9,221/mo rent closes it.

Break-even price

64% under asking

$520,899
Break-even rent

$9,221/mo above the estimate

$14,391/mo
Cashflow at 35% down
−$5,600/mo
Down payment to break even

$1,334,000 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$8,000
Cap Rate
0.96%
Cash-on-Cash
-29.38%
DSCR

Need ≥ 1.25 for DSCR loan

0.52

NOI (Annual)
$13,897
Price-to-Rent

Lower = better for investors

23.4

* 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−$7,100/mo