4330 Carlow Way
Redding, CA 96001
$625,000
4 bd · 3 ba · 2,136 sqft · Listed 1d ago
View on Realtor.com →Year built
1987
Sqft
2,136
Lot sqft
12,632
HOA / mo
$0
Furnished
No
List date
2026-10-05T17:27:08.000000Z
Revenue
Annual revenue
$52,828
ADR
$207
Occupancy
70%
Cleaning fees (12 mo)
$8,540
Confidence
Med (52.15), 11 comps
Comp revenue range (p25 / median / p75)
Few similar-size comps were found, so all comps are shown.
Median revenue of shown comps: $59,442Checking amenities for 8 listings…
Dragonfly Retreat
House · 3 bd · 2 ba · sleeps 6 · 341 ft
Revenue $5,340ADR $255Occ ≈ 6%4.8★ (4)
Redding Hillside Oasis with Pool!
House · 3 bd · 2 ba · sleeps 6 · 0.5 mi
Revenue $52,039ADR $204Occ ≈ 70%5★ (89)
House in the Clouds
Vacation home · 4 bd · 2 ba · sleeps 8 · 0.6 mi
Revenue $99,935ADR $360Occ ≈ 76%5★ (2)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Dragonfly Retreat House | 3 bd · 2 ba · sleeps 6 | $5,340 | $255 | 6% | 4.8★ (4) | 341 ft | Airbnb |
Summer Retreat | Best Pool by Mary Lake +EV Charge House | 3 bd · 2 ba · sleeps 8 | $90,046 | $303 | 81% | 5★ (116) | 0.3 mi | AirbnbVrboBooking |
Bright Redding Getaway House
| 3 bd · 2 ba · sleeps 6 | $38,499 | $203 | 52% | 5★ (32) | 0.4 mi | AirbnbVrbo |
Redding Hillside Oasis with Pool! House | 3 bd · 2 ba · sleeps 6 | $52,039 | $204 | 70% | 5★ (89) | 0.5 mi | Airbnb |
Darby Hollow House | 4 bd · 3.5 ba · sleeps 10 | $65,902 | $265 | 68% | 4.9★ (170) | 0.5 mi | AirbnbVrbo |
Westside 3 bed + office/ 3 king beds/ trails! House | 3 bd · 3 ba · sleeps 9 | $41,451 | $241 | 47% | 5★ (17) | 0.5 mi | AirbnbVrbo |
The Trailhouse • Covered Deck🏖Views🌄 Foosball⚽️ House | 3 bd · 2 ba · sleeps 6 | $41,200 | $175 | 65% | 4.9★ (130) | 0.5 mi | AirbnbVrbo |
The Bostonian▪︎Pool💦Hot Tub🌀 Arcade🎮Billiards🎱 Vacation home | 4 bd · 2 ba · sleeps 9 | $84,799 | $549 | 42% | 5★ (115) | 0.6 mi | AirbnbVrbo |
House In The Clouds - Perfect Summer Getaway House | 4 bd · 2 ba · sleeps 8 | $95,450 | $377 | 69% | 4.8★ (87) | 0.6 mi | AirbnbVrbo |
House in the Clouds Vacation home | 4 bd · 2 ba · sleeps 8 | $99,935 | $360 | 76% | 5★ (2) | 0.6 mi | Booking |
Show 1 more
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 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium
Est. revenue
$52,828
NOI
$23,305
Cash flow /mo
-$1,507
Cash needed
$204,250
Cash-on-cash
-8.9%
ROE (yr 1)
2.2%
Cap rate
3.7%
DSCR
0.56
Year-1 write-off
$165,102
Year-1 tax shield @ 32%
$52,833
Year-1 return on equity
- Cash flow (annual)-$18,087
- Principal paydown$3,893
- Appreciation at%$18,750
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)$10,566
- Platform fees (3% of revenue)$1,585
- Maintenance / capex (5% of revenue)$2,641
- Utilities & supplies$4,200
- HOA$0
- Property tax$7,813
- Insurance (STR-rated)$3,656
Cash needed to close
- Down payment (25%)$156,250
- Closing costs (4.0%)$25,000
- Furnishing (bought new)$23,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$52,833
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
$511,000
Short-life (5/15-yr)
$142,000 · 28%
Year-1 deduction
$165,000
Year-1 tax shield @ 32%
$53,000
Land 18% (county tax record, assessed value split) · building $369,000 over 39 years · new furniture $23,000
Based on: 2,136 sq ft, built 1987, 4 bd / 3 ba, unfurnished, listing features (pool, deck, fireplace, flooring types).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $101,000 in year 1 (15% short-life, $32,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $12,400
Kitchen cabinetsdefault
$10,500 new × 40% good × 2.95 allocation
- $10,100
Kitchen countertopsdefault
$8,600 new × 40% good × 2.95 allocation
- $4,400
Decorative trimdefault
$3,700 new × 40% good × 2.95 allocation
- $500
Mirrorsdefault
$500 new × 40% good × 2.95 allocation
- $1,800
Shelvingdefault
$1,500 new × 40% good × 2.95 allocation
- $6,200
Window coverings (21)default
$5,300 new × 40% good × 2.95 allocation
- $8,100
Carpet, vinyl & laminate (50% of floors)listing
$6,900 new × 40% good × 2.95 allocation
- $9,600
Kitchen & laundry equipment plumbingdefault
$8,200 new × 40% good × 2.95 allocation
- $5,800
Kitchen, laundry & data equipment electricaldefault
$4,900 new × 40% good × 2.95 allocation
- $9,500
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 2.95 allocation
- $23,000
Furniture bought newlisting
$23,000 new × 100% good · bought separately
- $14,100
Paving: driveway & walks (paved)default
$9,600 new × 50% good × 2.95 allocation
- $13,600
Landscaping (typical)default
$9,200 new × 50% good × 2.95 allocation
- $3,100
Patiosdefault
$2,100 new × 50% good × 2.95 allocation
- $35,400
Decks & porches (attached)listing
$24,000 new × 50% good × 2.95 allocation
- $7,100
Pool (above-ground)listing
$6,000 new × 40% good × 2.95 allocation
- $272,800
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$231,400 new × 40% good × 2.95 allocation
- $28,300
Building plumbing & fixturesdefault
$24,000 new × 40% good × 2.95 allocation
- $28,700
Building electrical & lightingdefault
$24,300 new × 40% good × 2.95 allocation
- $28,400
HVACdefault
$24,100 new × 40% good × 2.95 allocation
- $8,100
Hardwood & tile floorsdefault
$6,900 new × 40% good × 2.95 allocation
- $3,100
Fireplacelisting
$2,600 new × 40% good × 2.95 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $91,400 | $73,300 | $400 | $165,100 |
| 2 | $0 | $0 | $9,500 | $9,500 |
| 3 | $0 | $0 | $9,500 | $9,500 |
| 4 | $0 | $0 | $9,500 | $9,500 |
| 5 | $0 | $0 | $9,500 | $9,500 |
| 6+ | $0 | $0 | $331,100 | $331,100 |
| Total | $91,400 | $73,300 | $369,400 | $534,100 |
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.