9956 Cummins Pl
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9956 Cummins Pl

C

Scripps Ranch, CA 92131

$1,949,000

Soft Appraisal Value: $1,896,800 · 2.8% above estimate

Beds

4

Baths

3.5

Sqft

2,831

Year Built

1970

Days on Market

11

Property Type

Single Family

HOA/mo

N/A

MLS ID

260014679SD

This property is in Scripps Ranch (92131). View neighborhood stats →

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About This Property

Nestled on a quiet cul-de-sac in a highly coveted Scripps Ranch neighborhood, this beautifully updated 4-BR, 3.5-BA home offers 2,831 sq ft of sophisticated, versatile living. The rare, open-concept floor plan features two main-floor bedrooms and two more upstairs, making it ideal for multi-generational living, guests, or a premium home office. At the heart of the home is a fully redesigned chef’s kitchen boasting new cabinetry, premium appliances, custom flooring, modern stair rails, and chic designer lighting. High ceilings and skylights flood the home with natural light, leading to spa-ready bathrooms with high-end tile, new vanities, and fixtures. The private backyard oasis features drought-tolerant landscaping, room for entertaining, and mature fruit trees (black fig, orange, lime, Meyer lemon) plus plenty of space to add an ADU! Bonus: No HOA or Mello-Roos. Enjoy a classic San Diego community feel just minutes from top-rated schools, parks, trails, and dining.

Mortgage Calculator

Est. Monthly Payment

$12,373

Principal & Interest$9,855
Property Tax$1,949
Insurance$568
%($389,800)
%

Location

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Investment Score

4D
Est. Monthly Rent
$6,225
Monthly Cashflow

Rent − PITIA

$-6,147
Full Cashflow

Incl. vacancy, PM, maint, capex

$-9,203

Mortgage (P+I)
$9,855
Cap Rate
0.40%
Cash-on-Cash
-28.33%
DSCR

Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$18,177

NOI (Annual)
$7,825
Price-to-Rent

Lower = better for investors

26.1

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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