3090 Howard Dr
Redding, CA 96001
$424,900
3 bd · 2 ba · 1,606 sqft · Listed 4d ago
View on Realtor.com →Year built
1990
Sqft
1,606
Lot sqft
12,632
HOA / mo
$0
Furnished
No
List date
2026-09-25T15:44:39.000000Z
Revenue
Annual revenue
$39,472
ADR
$146
Occupancy
74%
Cleaning fees (12 mo)
$5,515
Confidence
Low (27.51), 25 comps
Comp revenue range (p25 / median / p75)
Hillside home with large deck in a woodsy area. Sleeps 8
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $14,234ADR $229Occ ≈ 17%—
At Home in the Forest- Huge Deck-Sleeps 8
House · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $12,013ADR $175Occ ≈ 19%4.8★ (11)
"Newly renovated Westside bungalow"
Bungalow · 3 bd · 1 ba · sleeps 4 · 1.4 mi
Revenue $39,072ADR $126Occ ≈ 85%5★ (167)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Hillside home with large deck in a woodsy area. Sleeps 8 House | 3 bd · 2 ba · sleeps 8 | $14,234 | $229 | 17% | — | 0.2 mi | Vrbo |
At Home in the Forest- Huge Deck-Sleeps 8 House | 3 bd · 2 ba · sleeps 8 | $12,013 | $175 | 19% | 4.8★ (11) | 0.3 mi | Airbnb |
Harmony Haven House | 3 bd · 2 ba · sleeps 6 | $31,144 | $172 | 50% | 4.7★ (141) | 0.3 mi | AirbnbBooking |
5 Mi to Sundial Bridge & River! Pet-Friendly Haven House | 3 bd · 2 ba · sleeps 8 | $19,051 | $453 | 12% | 4.5★ (2) | 0.9 mi | AirbnbVrboBooking |
Modern Home | Bright Spacious Full Kitchen Garage House | 3 bd · 2 ba · sleeps 6 | $53,849 | $181 | 82% | 4.8★ (130) | 1.0 mi | AirbnbVrboBooking |
Andes Restful Retreat House | 3 bd · 2.5 ba · sleeps 7 | $64,989 | $294 | 61% | 4.8★ (75) | 1.2 mi | AirbnbVrbo |
Bright Redding Getaway House | 3 bd · 2 ba · sleeps 6 | $37,182 | $201 | 51% | 5★ (25) | 1.4 mi | AirbnbVrbo |
"Newly renovated Westside bungalow" Bungalow | 3 bd · 1 ba · sleeps 4 | $39,072 | $126 | 85% | 5★ (167) | 1.4 mi | Airbnb |
Westside 3 bed + office/ 3 king beds/ trails! House | 3 bd · 3 ba · sleeps 9 | $40,556 | $237 | 47% | 5★ (14) | 1.5 mi | AirbnbVrbo |
Vintage style house with amazing views of Lassen! House | 3 bd · 1.5 ba · sleeps 6 | $14,452 | $162 | 24% | 5★ (94) | 1.6 mi | AirbnbVrbo |
Show all 25 comps
Dragonfly Retreat
House · 3 bd · 2 ba · sleeps 6 · 1.8 mi
Revenue $3,047ADR $258Occ ≈ 3%4.5★ (2)
Peaceful 3BR Near Hospitals, Trails, and Downtown
House · 3 bd · 2 ba · sleeps 4 · 1.8 mi
Revenue $8,234ADR $85Occ ≈ 27%—
Redding Hillside Oasis with Pool!
House · 3 bd · 2 ba · sleeps 6 · 1.9 mi
Revenue $49,205ADR $203Occ ≈ 66%5★ (86)
Modern 3BR Extended Stay Retreat – 30+ Day
House · 3 bd · 2 ba · sleeps 6 · 1.9 mi
Revenue $5,302ADR $96Occ ≈ 15%4.8★ (29)
Updated-3 bd with garage - 30+ Day Rental
House · 3 bd · 2 ba · sleeps 6 · 1.9 mi
Revenue $16,381ADR $94Occ ≈ 48%5★ (2)
Newly Renovated Modern Home
House · 3 bd · 1 ba · sleeps 6 · 2.0 mi
Revenue $19,097ADR $83Occ ≈ 63%—
The Wilshire House-Redding, Ca
House · 3 bd · 2 ba · sleeps 6 · 2.1 mi
Revenue $7,131ADR $335Occ ≈ 6%5★ (3)
Downtown Spanish Bungalow
House · 3 bd · 1 ba · sleeps 4 · 2.1 mi
Revenue $28,679ADR $129Occ ≈ 61%4.6★ (36)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
The Trailhouse • Covered Deck🏖Views🌄 Foosball⚽️ House | 3 bd · 2 ba · sleeps 6 | $45,992 | $190 | 66% | 4.9★ (130) | 1.6 mi | AirbnbVrbo |
The Olive Get-Away | Pool💦 Game Room🏓 & BBQ♨️ House | 3 bd · 2 ba · sleeps 8 | $64,835 | $298 | 60% | 4.9★ (175) | 1.8 mi | AirbnbVrbo |
Dragonfly Retreat House | 3 bd · 2 ba · sleeps 6 | $3,047 | $258 | 3% | 4.5★ (2) | 1.8 mi | Airbnb |
Peaceful 3BR Near Hospitals, Trails, and Downtown House | 3 bd · 2 ba · sleeps 4 | $8,234 | $85 | 27% | — | 1.8 mi | Airbnb |
The Pineapple House *Best Reviews* Private Pool! House | 3 bd · 2 ba · sleeps 6 | $48,664 | $328 | 41% | 5★ (306) | 1.8 mi | AirbnbVrbo |
{The Cessna Lookout} +Pool +Hot Tub +EV Charger House | 3 bd · 2.5 ba · sleeps 6 | $76,422 | $311 | 67% | 5★ (184) | 1.8 mi | AirbnbVrbo |
Redding Hillside Oasis with Pool! House | 3 bd · 2 ba · sleeps 6 | $49,205 | $203 | 66% | 5★ (86) | 1.9 mi | Airbnb |
~Rest, Recreate and Refresh~ House | 3 bd · 1 ba · sleeps 6 | $38,612 | $164 | 65% | 4.8★ (399) | 1.9 mi | AirbnbVrbo |
Modern 3BR Extended Stay Retreat – 30+ Day House | 3 bd · 2 ba · sleeps 6 | $5,302 | $96 | 15% | 4.8★ (29) | 1.9 mi | Airbnb |
Summer Retreat | Best Pool by Mary Lake +EV Charge House | 3 bd · 2 ba · sleeps 8 | $89,470 | $299 | 82% | 5★ (111) | 1.9 mi | AirbnbVrboBooking |
Updated-3 bd with garage - 30+ Day Rental House | 3 bd · 2 ba · sleeps 6 | $16,381 | $94 | 48% | 5★ (2) | 1.9 mi | Airbnb |
Newly Renovated Modern Home House | 3 bd · 1 ba · sleeps 6 | $19,097 | $83 | 63% | — | 2.0 mi | Airbnb |
The Wilshire House-Redding, Ca House | 3 bd · 2 ba · sleeps 6 | $7,131 | $335 | 6% | 5★ (3) | 2.1 mi | Airbnb |
Downtown Spanish Bungalow House | 3 bd · 1 ba · sleeps 4 | $28,679 | $129 | 61% | 4.6★ (36) | 2.1 mi | Airbnb |
Chestnut Hill - a Downtown Charmer House | 3 bd · 1 ba · sleeps 6 | $4,203 | $545 | 2% | 4.8★ (34) | 2.1 mi | AirbnbVrbo |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Est. revenue
$39,472
NOI
$17,060
Cash flow /mo
$1,422
Cash needed
$461,396
Cash-on-cash (all cash)
3.7%
ROE (yr 1)
6.5%
Cap rate
4.0%
DSCR
—
Year-1 write-off
$121,177
Year-1 tax shield @ 32%
$38,777
Year-1 return on equity
- Cash flow (annual)$17,060
- Principal paydown (n/a, cash)$0
- Appreciation at%$12,747
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$7,894
- Platform fees (3% of revenue)$1,184
- Maintenance / capex (5% of revenue)$1,974
- Utilities & supplies$4,200
- HOA$0
- Property tax$5,311
- Insurance (STR-rated)$2,486
Cash needed to close
- Purchase price (all cash)$424,900
- Closing costs (4.0%)$16,996
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$38,777
Property tax, insurance rate and the land/building split come from this listing's county tax record; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$340,000
Short-life (5/15-yr)
$101,000 · 30%
Year-1 deduction
$121,000
Year-1 tax shield @ 32%
$39,000
Land 20% (county tax record, assessed value split) · building $239,000 over 39 years · new furniture $20,000
Based on: 1,606 sq ft, built 1990, 3 bd / 2 ba, unfurnished, listing features (covered patio, stone counters, flooring types).
IRS-guide safe-harbor floor: $95,000 in year 1 (22% short-life, $30,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $9,800
Kitchen cabinetsdefault
$9,300 new × 40% good × 2.62 allocation
- $10,000
Kitchen countertops (stone)listing
$9,500 new × 40% good × 2.62 allocation
- $2,900
Decorative trimdefault
$2,800 new × 40% good × 2.62 allocation
- $300
Mirrorsdefault
$300 new × 40% good × 2.62 allocation
- $1,300
Shelvingdefault
$1,200 new × 40% good × 2.62 allocation
- $4,200
Window coverings (16)default
$4,000 new × 40% good × 2.62 allocation
- $10,800
Carpet, vinyl & laminate (100% of floors)listing
$10,300 new × 40% good × 2.62 allocation
- $7,600
Kitchen & laundry equipment plumbingdefault
$7,300 new × 40% good × 2.62 allocation
- $4,600
Kitchen, laundry & data equipment electricaldefault
$4,400 new × 40% good × 2.62 allocation
- $8,500
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 2.62 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $10,900
Paving: driveway & walks (paved)default
$8,300 new × 50% good × 2.62 allocation
- $10,500
Landscaping (typical)default
$8,000 new × 50% good × 2.62 allocation
- $17,400
Covered patiolisting
$13,200 new × 50% good × 2.62 allocation
- $2,100
Decks & porches (attached)default
$1,600 new × 50% good × 2.62 allocation
- $182,600
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$174,000 new × 40% good × 2.62 allocation
- $18,900
Building plumbing & fixturesdefault
$18,000 new × 40% good × 2.62 allocation
- $18,500
Building electrical & lightingdefault
$17,600 new × 40% good × 2.62 allocation
- $19,000
HVACdefault
$18,100 new × 40% good × 2.62 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $79,600 | $40,800 | $800 | $121,200 |
| 2 | $0 | $0 | $6,100 | $6,100 |
| 3 | $0 | $0 | $6,100 | $6,100 |
| 4 | $0 | $0 | $6,100 | $6,100 |
| 5 | $0 | $0 | $6,100 | $6,100 |
| 6+ | $0 | $0 | $213,700 | $213,700 |
| Total | $79,600 | $40,800 | $239,000 | $359,400 |
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California and Georgia disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
Rules differ by jurisdiction. City of Redding caps whole-home vacation rentals at 400 with a 600 ft spacing rule (300 ft with a physical buffer), and its permit is NOT transferable to a new owner. Shasta Lake city and unincorporated Shasta County allow permitted rentals with no cap found, but permits also do not transfer on sale. Lodging tax ~10% plus a 2% tourism assessment in Redding. Verify parcel eligibility with the city or county before you buy.