9595 Swede Creek Rd
Palo Cedro, CA 96073
$729,000
3 bd · 3 ba · 1,947 sqft · Listed 1d ago
View on Realtor.com →Year built
1979
Sqft
1,947
Lot sqft
582,833
HOA / mo
$0
Furnished
No
List date
2026-10-21T23:07:44.000000Z
Revenue
Annual revenue
$46,383
ADR
$247
Occupancy
51%
Cleaning fees (12 mo)
$6,328
Confidence
Low (35.35), 7 comps
Comp revenue range (p25 / median / p75)
Few similar-size comps were found, so all comps are shown.
Median revenue of shown comps: $38,749
Palo Cedro Country Family Home on Creek
House · 3 bd · 2 ba · sleeps 7 · 0.8 mi
Revenue $7,735ADR $221Occ ≈ 10%—
Delisted
-The Bluebird- Located on our Flower Farm
Farm stay · 4 bd · 2 ba · sleeps 6 · 1.0 mi
Revenue $68,598ADR $502Occ ≈ 37%5★ (11)
Delisted
Modern Vacation Ranch
House · 4 bd · 3 ba · sleeps 10 · 1.6 mi
- Hot tub
- Pool
- A/C
- Free parking
- +4
Revenue $74,791ADR $411Occ ≈ 50%5★ (7)
Revival Ranchette - Mountain Views
House · 4 bd · 2.5 ba · sleeps 8 · 1.9 mi
Revenue $38,749ADR $564Occ ≈ 19%5★ (42)
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Palo Cedro Country Family Home on Creek House | 3 bd · 2 ba · sleeps 7 | $7,735 | $221 | 10% | — | 0.8 mi | Delisted |
-The Bluebird- Located on our Flower Farm Farm stay | 4 bd · 2 ba · sleeps 6 | $68,598 | $502 | 37% | 5★ (11) | 1.0 mi | Delisted |
Amazing Pool & Waterslide/Basketball/Pickleball Ct Guest suite
| 4 bd · 2 ba · sleeps 12 | $91,407 | $516 | 49% | 5★ (72) | 1.6 mi | AirbnbVrbo |
Gorgeous Lakehouse w/POOL! House
| 2 bd · 3 ba · sleeps 10 | $24,378 | $558 | 12% | 5★ (19) | 1.6 mi | AirbnbVrbo |
Modern Vacation Ranch House
| 4 bd · 3 ba · sleeps 10 | $74,791 | $411 | 50% | 5★ (7) | 1.6 mi | Airbnb |
Revival Ranchette - Mountain Views House | 4 bd · 2.5 ba · sleeps 8 | $38,749 | $564 | 19% | 5★ (42) | 1.9 mi | Delisted |
Palo Cedro 22-Acre ViewPoint Lodge House
| 3 bd · 3 ba · sleeps 8 | $27,906 | $293 | 26% | 5★ (23) | 1.9 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
Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium
Est. revenue
$46,383
NOI
$16,912
Cash flow /mo
-$2,660
Cash needed
$230,910
Cash-on-cash
-13.8%
ROE (yr 1)
-2.4%
Cap rate
2.3%
DSCR
0.35
Year-1 write-off
$132,803
Year-1 tax shield @ 32%
$42,497
Year-1 return on equity
- Cash flow (annual)-$31,918
- Principal paydown$4,433
- Appreciation at%$21,870
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)$9,277
- Platform fees (3% of revenue)$1,391
- Maintenance / capex (5% of revenue)$2,319
- Utilities & supplies$4,200
- HOA$0
- Property tax$9,113
- Insurance (STR-rated)$4,265
Cash needed to close
- Down payment (25%)$182,250
- Closing costs (4.0%)$29,160
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$42,497
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
$441,000
Short-life (5/15-yr)
$113,000 · 26%
Year-1 deduction
$133,000
Year-1 tax shield @ 32%
$42,000
Land 39% (county tax record, assessed value split) · building $328,000 over 39 years · new furniture $20,000
Based on: 1,947 sq ft, built 1979, 3 bd / 3 ba, unfurnished, listing features (fence, flooring types, septic).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $104,000 in year 1 (19% short-life, $33,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $11,300
Kitchen cabinetsdefault
$10,100 new × 40% good × 2.81 allocation
- $9,300
Kitchen countertopsdefault
$8,200 new × 40% good × 2.81 allocation
- $3,800
Decorative trimdefault
$3,400 new × 40% good × 2.81 allocation
- $500
Mirrorsdefault
$500 new × 40% good × 2.81 allocation
- $1,300
Shelvingdefault
$1,200 new × 40% good × 2.81 allocation
- $5,300
Window coverings (19)default
$4,800 new × 40% good × 2.81 allocation
- $14,100
Carpet, vinyl & laminate (100% of floors)listing
$12,500 new × 40% good × 2.81 allocation
- $8,800
Kitchen & laundry equipment plumbingdefault
$7,800 new × 40% good × 2.81 allocation
- $5,300
Kitchen, laundry & data equipment electricaldefault
$4,700 new × 40% good × 2.81 allocation
- $9,100
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 2.81 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $12,900
Paving: driveway & walks (paved)default
$9,100 new × 50% good × 2.81 allocation
- $12,400
Landscaping (typical)default
$8,800 new × 50% good × 2.81 allocation
- $2,700
Patiosdefault
$1,900 new × 50% good × 2.81 allocation
- $4,900
Irrigationlisting
$3,500 new × 50% good × 2.81 allocation
- $2,700
Decks & porches (attached)default
$1,900 new × 50% good × 2.81 allocation
- $8,400
Fencinglisting
$6,000 new × 50% good × 2.81 allocation
- $237,400
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$211,100 new × 40% good × 2.81 allocation
- $24,600
Building plumbing & fixturesdefault
$21,900 new × 40% good × 2.81 allocation
- $24,700
Building electrical & lightingdefault
$22,000 new × 40% good × 2.81 allocation
- $24,700
HVACdefault
$21,900 new × 40% good × 2.81 allocation
- $16,900
Septic systemlisting
$12,000 new × 50% good × 2.81 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $88,500 | $44,000 | $400 | $132,800 |
| 2 | $0 | $0 | $8,400 | $8,400 |
| 3 | $0 | $0 | $8,400 | $8,400 |
| 4 | $0 | $0 | $8,400 | $8,400 |
| 5 | $0 | $0 | $8,400 | $8,400 |
| 6+ | $0 | $0 | $294,300 | $294,300 |
| Total | $88,500 | $44,000 | $328,300 | $460,700 |
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, 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.