2180 Gold St
Redding, CA 96001
$270,000
3 bd · 2.5 ba · 1,883 sqft · Listed 1d ago
View on Realtor.com →Year built
1991
Sqft
1,883
Lot sqft
43,560
HOA / mo
$0
Furnished
No
List date
2026-10-21T22:05:58.000000Z
Revenue
Annual revenue
$29,234
ADR
$119
Occupancy
67%
Cleaning fees (12 mo)
$4,570
Confidence
Low (15.31), 5 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $17,700
Updated-3 bd with garage - 30+ Day Rental
House · 3 bd · 2 ba · sleeps 6 · 0.2 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $17,700ADR $95Occ ≈ 51%5★ (2)
Modern 3BR Extended Stay Retreat – 30+ Day
House · 3 bd · 2 ba · sleeps 6 · 0.2 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $5,302ADR $96Occ ≈ 15%4.8★ (29)
Vintage style house with amazing views of Lassen!
House · 3 bd · 1.5 ba · sleeps 6 · 0.4 mi
Revenue $13,167ADR $162Occ ≈ 22%5★ (94)
Aloha House
House · 3 bd · 2 ba · sleeps 6 · 0.6 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $38,114ADR $148Occ ≈ 71%4.8★ (166)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
The Olive Get-Away | Pool💦 Game Room🏓 & BBQ♨️ House
| 3 bd · 2 ba · sleeps 8 | $62,890 | $305 | 56% | 4.9★ (179) | 0.2 mi | AirbnbVrbo |
Updated-3 bd with garage - 30+ Day Rental House
| 3 bd · 2 ba · sleeps 6 | $17,700 | $95 | 51% | 5★ (2) | 0.2 mi | Airbnb |
Modern 3BR Extended Stay Retreat – 30+ Day House
| 3 bd · 2 ba · sleeps 6 | $5,302 | $96 | 15% | 4.8★ (29) | 0.2 mi | Airbnb |
Vintage style house with amazing views of Lassen! House | 3 bd · 1.5 ba · sleeps 6 | $13,167 | $162 | 22% | 5★ (94) | 0.4 mi | Airbnb |
Aloha House House
| 3 bd · 2 ba · sleeps 6 | $38,114 | $148 | 71% | 4.8★ (166) | 0.6 mi | Airbnb |
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
Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium
Est. revenue
$29,234
NOI
$12,299
Cash flow /mo
-$482
Cash needed
$97,800
Cash-on-cash
-5.9%
ROE (yr 1)
4.0%
Cap rate
4.6%
DSCR
0.68
Year-1 write-off
$81,809
Year-1 tax shield @ 32%
$26,179
Year-1 return on equity
- Cash flow (annual)-$5,786
- Principal paydown$1,642
- Appreciation at%$8,100
Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$5,847
- Platform fees (3% of revenue)$877
- Maintenance / capex (5% of revenue)$1,462
- Utilities & supplies$4,200
- HOA$0
- Property tax$4,120
- Insurance (STR-rated)$1,580
Cash needed to close
- Down payment (25%)$67,500
- Closing costs (4.0%)$10,800
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$26,179
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
$222,000
Short-life (5/15-yr)
$62,000 · 28%
Year-1 deduction
$82,000
Year-1 tax shield @ 32%
$26,000
Land 18% (county tax record, assessed value split) · building $160,000 over 39 years · new furniture $20,000
Based on: 1,883 sq ft, built 1991, 3 bd / 2.5 ba, unfurnished, listing features (deck, fireplace, flooring types, wooded lot).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $54,000 in year 1 (15% short-life, $17,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $5,700
Kitchen cabinetsdefault
$9,900 new × 40% good × 1.43 allocation
- $4,700
Kitchen countertopsdefault
$8,100 new × 40% good × 1.43 allocation
- $1,900
Decorative trimdefault
$3,300 new × 40% good × 1.43 allocation
- $200
Mirrorsdefault
$300 new × 40% good × 1.43 allocation
- $700
Shelvingdefault
$1,200 new × 40% good × 1.43 allocation
- $2,700
Window coverings (19)default
$4,800 new × 40% good × 1.43 allocation
- $6,900
Carpet, vinyl & laminate (100% of floors)listing
$12,100 new × 40% good × 1.43 allocation
- $4,400
Kitchen & laundry equipment plumbingdefault
$7,700 new × 40% good × 1.43 allocation
- $2,700
Kitchen, laundry & data equipment electricaldefault
$4,700 new × 40% good × 1.43 allocation
- $4,600
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 1.43 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $8,100
Paving: driveway & walks (paved)default
$11,200 new × 50% good × 1.43 allocation
- $3,100
Landscaping (minimal)listing
$4,300 new × 50% good × 1.43 allocation
- $1,300
Patiosdefault
$1,900 new × 50% good × 1.43 allocation
- $15,200
Decks & porches (attached)listing
$21,200 new × 50% good × 1.43 allocation
- $121,900
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$204,200 new × 42% good × 1.43 allocation
- $12,100
Building plumbing & fixturesdefault
$21,200 new × 40% good × 1.43 allocation
- $12,100
Building electrical & lightingdefault
$21,100 new × 40% good × 1.43 allocation
- $12,200
HVACdefault
$21,200 new × 40% good × 1.43 allocation
- $1,500
Fireplacelisting
$2,600 new × 40% good × 1.43 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $54,000 | $27,700 | $200 | $81,800 |
| 2 | $0 | $0 | $4,100 | $4,100 |
| 3 | $0 | $0 | $4,100 | $4,100 |
| 4 | $0 | $0 | $4,100 | $4,100 |
| 5 | $0 | $0 | $4,100 | $4,100 |
| 6+ | $0 | $0 | $143,200 | $143,200 |
| Total | $54,000 | $27,700 | $159,800 | $241,400 |
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, Georgia and Wisconsin 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.