4935 Saratoga Dr
Redding, CA 96002
$635,000
3 bd · 2 ba · 2,532 sqft · Listed 4d ago
View on Realtor.com →Year built
1981
Sqft
2,532
Lot sqft
41,818
HOA / mo
$0
Furnished
No
List date
2026-09-25T23:07:48.000000Z
Revenue
Annual revenue
$41,428
ADR
$167
Occupancy
68%
Cleaning fees (12 mo)
$5,689
Confidence
Med (60.98), 10 comps
Comp revenue range (p25 / median / p75)
GHouse@ Lilac | Redding (Airport) Her.Hauspitality
House · 3 bd · 2 ba · sleeps 6 · 0.6 mi
Revenue $17,439ADR $140Occ ≈ 34%5★ (2)
Renovated Home - 3Bd/2Ba, Washer & Dryer
House · 3 bd · 2 ba · sleeps 6 · 0.7 mi
Revenue $51,907ADR $196Occ ≈ 73%5★ (178)
LUXE Modern getaway retreat
House · 3 bd · 1.5 ba · sleeps 6 · 1.0 mi
Revenue $13,556ADR $154Occ ≈ 24%4.8★ (7)
Sweet Escape. Cozy, central, fireplace & Netflix.
House · 3 bd · 2 ba · sleeps 8 · 1.1 mi
Revenue $46,864ADR $162Occ ≈ 79%4.8★ (394)
Calm, Cozy & Clean (5 beds + pooltable & foosball)
House · 3 bd · 1.5 ba · sleeps 7 · 1.3 mi
Revenue $36,486ADR $198Occ ≈ 50%5★ (199)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
GHouse@ Lilac | Redding (Airport) Her.Hauspitality House | 3 bd · 2 ba · sleeps 6 | $17,439 | $140 | 34% | 5★ (2) | 0.6 mi | Airbnb |
Renovated Home - 3Bd/2Ba, Washer & Dryer House | 3 bd · 2 ba · sleeps 6 | $51,907 | $196 | 73% | 5★ (178) | 0.7 mi | Airbnb |
LUXE Modern getaway retreat House | 3 bd · 1.5 ba · sleeps 6 | $13,556 | $154 | 24% | 4.8★ (7) | 1.0 mi | Airbnb |
Sweet Escape. Cozy, central, fireplace & Netflix. House | 3 bd · 2 ba · sleeps 8 | $46,864 | $162 | 79% | 4.8★ (394) | 1.1 mi | Airbnb |
Calm, Cozy & Clean (5 beds + pooltable & foosball) House | 3 bd · 1.5 ba · sleeps 7 | $36,486 | $198 | 50% | 5★ (199) | 1.3 mi | Airbnb |
Newly Remodeled Charming home! House | 3 bd · 1 ba · sleeps 5 | $33,104 | $186 | 49% | 4.8★ (30) | 1.4 mi | AirbnbVrbo |
Forest Homes Retreat House | 3 bd · 2 ba · sleeps 6 | $37,882 | $292 | 36% | 5★ (46) | 1.6 mi | AirbnbVrbo |
Timber Haven- Cozy Nest w/Hot Tub & EV Charger House | 3 bd · 2 ba · sleeps 6 | $50,959 | $221 | 63% | 5★ (205) | 1.7 mi | AirbnbVrbo |
Quiet Redding Getaway ~ 7 Mi to Downtown! House | 3 bd · 2 ba · sleeps 6 | $44,782 | $210 | 58% | 4.8★ (59) | 1.8 mi | AirbnbVrboBooking |
Redding Poolside Retreat | Family & Pet Friendly House | 3 bd · 2 ba · sleeps 6 | $63,449 | $238 | 73% | 4.8★ (157) | 2.0 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
$41,428
NOI
$14,928
Cash flow /mo
$1,244
Cash needed
$679,900
Cash-on-cash (all cash)
2.2%
ROE (yr 1)
5.0%
Cap rate
2.4%
DSCR
—
Year-1 write-off
$181,903
Year-1 tax shield @ 32%
$58,209
Year-1 return on equity
- Cash flow (annual)$14,928
- Principal paydown (n/a, cash)$0
- Appreciation at%$19,050
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$8,286
- Platform fees (3% of revenue)$1,243
- Maintenance / capex (5% of revenue)$2,071
- Utilities & supplies$4,200
- HOA$0
- Property tax$7,938
- Insurance (STR-rated)$3,715
Cash needed to close
- Purchase price (all cash)$635,000
- Closing costs (4.0%)$25,400
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$58,209
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
$509,000
Short-life (5/15-yr)
$161,000 · 32%
Year-1 deduction
$182,000
Year-1 tax shield @ 32%
$58,000
Land 20% (county tax record, assessed value split) · building $348,000 over 39 years · new furniture $20,000
Based on: 2,532 sq ft, built 1981, 3 bd / 2 ba, unfurnished, listing features (pool, fireplace, flooring types, septic).
IRS-guide safe-harbor floor: $155,000 in year 1 (26% short-life, $50,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $10,200
Kitchen cabinetsdefault
$11,400 new × 40% good × 2.25 allocation
- $8,300
Kitchen countertopsdefault
$9,300 new × 40% good × 2.25 allocation
- $4,000
Decorative trimdefault
$4,400 new × 40% good × 2.25 allocation
- $300
Mirrorsdefault
$300 new × 40% good × 2.25 allocation
- $1,100
Shelvingdefault
$1,200 new × 40% good × 2.25 allocation
- $5,600
Window coverings (25)default
$6,300 new × 40% good × 2.25 allocation
- $7,300
Carpet, vinyl & laminate (50% of floors)listing
$8,100 new × 40% good × 2.25 allocation
- $7,900
Kitchen & laundry equipment plumbingdefault
$8,800 new × 40% good × 2.25 allocation
- $4,800
Kitchen, laundry & data equipment electricaldefault
$5,300 new × 40% good × 2.25 allocation
- $7,300
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 2.25 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $14,600
Paving: driveway & walks (paved)default
$13,000 new × 50% good × 2.25 allocation
- $11,300
Landscaping (typical)default
$10,000 new × 50% good × 2.25 allocation
- $2,800
Patiosdefault
$2,500 new × 50% good × 2.25 allocation
- $2,800
Decks & porches (attached)default
$2,500 new × 50% good × 2.25 allocation
- $73,000
Pool (in-ground)listing
$65,000 new × 50% good × 2.25 allocation
- $247,100
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$275,200 new × 40% good × 2.25 allocation
- $25,600
Building plumbing & fixturesdefault
$28,500 new × 40% good × 2.25 allocation
- $26,400
Building electrical & lightingdefault
$29,400 new × 40% good × 2.25 allocation
- $25,600
HVACdefault
$28,500 new × 40% good × 2.25 allocation
- $7,300
Hardwood & tile floorsdefault
$8,100 new × 40% good × 2.25 allocation
- $2,400
Fireplacelisting
$2,600 new × 40% good × 2.25 allocation
- $13,500
Septic systemlisting
$12,000 new × 50% good × 2.25 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $76,300 | $104,500 | $1,100 | $181,900 |
| 2 | $0 | $0 | $8,900 | $8,900 |
| 3 | $0 | $0 | $8,900 | $8,900 |
| 4 | $0 | $0 | $8,900 | $8,900 |
| 5 | $0 | $0 | $8,900 | $8,900 |
| 6+ | $0 | $0 | $311,100 | $311,100 |
| Total | $76,300 | $104,500 | $347,900 | $528,700 |
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.