40 Calle Aragon Unit T · Laguna Woods, CA 92637

$325,000

2 bd · 2.0 ba · 1,040 sqft · Condo · 48 Days on market

Built 1965 $312/sqft · at area comps Est $341k · at est. $910/mo HOA · 30% of rent

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +9.6/15.0
• Appreciation +7.9/10.0
• Schools +5.6/10.0
• Cash flow +4.8/30.0
• 1% rule +4.2/10.0
• Rent growth +4.2/5.0
• Livability +3.6/5.0
• Condition / age +2.5/5.0
• DSCR +0.0/10.0

Listing remarks MLS

Spacious Casa Blanca model 2 bedrooms and 2 baths in a great location, walking distance to club house 1, large living room with vaulted ceilings and a generous ENCLOSED BALCONY off the living room with an exterior space for BBQ. (Beautiful views make you feel like your living in a tree house. ) Lots of upgrades. CENTRAL HEAT/AIR, WASHER/DRYER, 2 SOLAR TUBES, DOUBLE PANE WINDOWS, EXTRA WINDOW in master bedroom. Ceiling Fans in Dining Room and both bedrooms. What more do you need? And, add to all this: Golf, tennis, pickleball, 7 clubhouses, Performing Arts theater, 5 swimming pools, 4 spas, equestrian center, gardening opportunities, over 250 clubs & organizations, Arts & crafts center has professional equipment for jewelry making, sewing, woodworking, painting, photography, ceramics. .. 3 fitness centers & much more! Country Club Living at its Best and only 7 miles to Laguna Beach.

Key facts

• $910 HOA
• Parking
• Community pool

Property features AI

Finance

• Other: Community of approximately 13,000 units (Leisure World); Senior community
• HOA & community: Part of United Mutual association; Monthly association fee; Association amenities: pool, spa, clubhouse, billiard room, card room, meeting/banquet facilities, gym/exercise room, pickleball, tennis, paddle tennis, bocce ball court, other courts, golf, horse trails, common RV parking, maintenance (grounds and front yard), trash, sewer, water, cable TV, on-site property management, controlled access, security, insurance, pets permitted

Exterior

• Parking: Assigned parking with permit/decal; Detached carport with built-in storage; One parking/carport space
• Security: Gated community with attendant; 24-hour security; Controlled access; Smoke detector
• Utilities: Public sewer; District/public water
• Home design: Multi-family end unit; Attached property; One story level (entry level 2); Estimated year built; Has a view; Located in a cul-de-sac; Landscaped
• Construction: Stock cooperative; No ADU; End unit with one common wall and no one above; No interior steps; grab bars in bathroom(s)
• Exterior features: Rain gutters; Pool (association)

Interior

• Kitchen: Refrigerator; Electric oven; Electric stove; Dishwasher; Garbage disposal; Dining ell
• Bedrooms: Primary bedroom on main floor; Two bedrooms on the main level
• Flooring: Tile; Laminate
• Bathrooms: One full bathroom; One 3/4 bathroom; Main floor full bath with shower in tub
• Heating & cooling: Central cooling; Central furnace heating
• Interior features: Balcony; Living room balcony; Ceiling fan; Recessed lighting; Sliding glass doors; Mirrored closet doors; Unfurnished; Double-pane windows; Drapes/curtains; Window screens
• Laundry & utility: Washer and dryer included; Washer hookup inside (stackable/in closet); Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $325k.

Deal economics

• At list price, monthly cash flow is $-790 ($-9k/yr) — negative.
• To cash-flow at today's rent, offer at most $211k (35.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $299k (7.9% below list).
• Recommended offer: $211k (35.2% below list) — sets the bar for cash-flow.
• Cap rate 3.4% vs local median 2.4% in Laguna Woods — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 72/100 on livability (#200 in CA) — a middle-class / working-renter tenant base. Strengths: crime A+, commute A+; Watch: amenities D+, cost of living F, health & safety F.
• Saddleback Valley Unified (suburban): math 51% / reading 73% proficiency, ranked #67 of 517 in CA (top 13%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: San Joaquin Elementary (247 students, 76% FRL); La Paz Intermediate (706 students, 38% FRL); Laguna Hills High (math 39% / reading 72%, grade C, #246 of 1,170 statewide, top 21%, 1,434 students, 53% FRL) — zoned schools average 56% FRL vs 22% district-wide (34 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+6.8%/yr); 190 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 6,974 units permitted in Orange County in 2024 (3,839 in 5+ unit buildings).

Forward outlook

• In year one you build about $21k of equity ($2k loan paydown + $19k appreciation (5.9% local appreciation)).
• Orange County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($315k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 25y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $230k; 41% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 30% of rent.
• Climate carrying-cost: extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $210,673 (35.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 35% concession, seller financing, or rate buy-down credit?
3. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.92% ✗
• Cap rate: 3.38%
• Cash-on-cash: -10.42%
• DSCR: 0.54
• GRM: 9.0

CMA / ARV

• ARV (median comp): $341,054
• List price: $325,000
• Delta: -4.71%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

5.88% appreciation · 6.79% rent growth · sell at horizon

5-year hold

• IRR: 8.6%
• Equity multiple: 1.59×
• Total profit: $53,735
• Equity at exit: $201,927

10-year hold

• IRR: 11.8%
• Equity multiple: 3.50×
• Total profit: $227,314
• Equity at exit: $364,146

Cash invested: $91,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 92637

• Home prices YoY: 3.4%
• Rents YoY: 6.8%
• Active inventory: 190
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $2,995 high
• Mortgage (P&I): −$1,704
• Tax est. 1.5%: −$406 /mo · $4,875/yr
• Insurance: −$135
• HOA: −$910
• Vacancy / Maint / Mgmt: −$629
• Net cashflow: $-790

Break-even live

Break-even rent $3,995

Max offer price $210,673

Occupancy floor —

Sensitivity live

Price	-10% $-565	-5% $-678	+0% $-790	+5% $-902	+10% $-1,015
Rent	-10% $-1,027	-5% $-908	+0% $-790	+5% $-672	+10% $-553
Rate	-1.0pp $-626	-0.5pp $-707	base $-790	+0.5pp $-874	+1.0pp $-960

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
254 Calle Aragon Unit D Laguna Woods, CA	2.0	2.0	1009	$3,000	$2.97	19d	1	0.05mi
46 Calle Aragon Unit R Laguna Woods, CA	2.0	2.0	1040	$2,800	$2.69	20d	1	0.09mi
74 Calle Aragon Unit A Laguna Woods, CA	2.0	1.0	950	$2,700	$2.84	26d	1	0.10mi
53 Calle Aragon Unit O Laguna Woods, CA	1.0	1.0	770	$2,200	$2.86	14d	1	0.12mi
969 Calle Aragon Unit 1B Laguna Woods, CA	2.0	2.0	1195	$2,900	$2.43	26d	1	0.13mi
29 Calle Aragon Unit Q Laguna Woods, CA	2.0	2.0	1040	$3,100	$2.98	45d	1	0.14mi
59 Calle Cadiz Unit B Laguna Woods, CA	2.0	2.0	1070	$3,500	$3.27	45d	1	0.16mi
24299 Paseo De Valencia Laguna Woods, CA	2.0	2.0	1347	$3,770	$2.80	24d	7	0.17mi
57 Calle Cadiz Laguna Woods, CA	2.0	2.0	1040	$2,800	$2.69	45d	1	0.19mi
57 Calle Cadiz Unit N Laguna Woods, CA	2.0	2.0	1040	$2,900	$2.79	4d	1	0.19mi
21 Avenida Castilla Unit D Laguna Woods, CA	2.0	2.0	940	$3,200	$3.40	20d	1	0.23mi
479 Calle Cadiz Unit B Laguna Woods, CA	2.0	2.0	1050	$3,300	$3.14	19d	1	0.26mi
479 Calle Cadiz Unit B Laguna Woods, CA	2.0	2.0	1050	$3,300	$3.14	0d	1	0.26mi
8 Via Castilla Unit N Laguna Woods, CA	2.0	2.0	1040	$3,250	$3.12	26d	1	0.28mi
8 Via Castilla Laguna Woods, CA	2.0	2.0	1000	$3,250	$3.25	45d	1	0.28mi
8 Via Castilla Unit T Laguna Woods, CA	2.0	2.0	1040	$2,650	$2.55	7d	1	0.28mi
8 Via Castilla Unit S Laguna Woods, CA	2.0	2.0	1000	$3,000	$3.00	45d	1	0.28mi
92 Calle Aragon Unit R Laguna Woods, CA	2.0	2.0	1009	$2,650	$2.63	20d	1	0.29mi
477 Calle Cadiz Unit A Laguna Woods, CA	1.0	1.0	770	$2,500	$3.25	26d	1	0.30mi
132 Avenida Majorca Unit B Laguna Woods, CA	2.0	1.0	995	$2,400	$2.41	8d	1	0.32mi
205 Avenida Majorca Unit A Laguna Woods, CA	2.0	2.0	1278	$3,600	$2.82	45d	1	0.35mi
107 Via Estrada Laguna Woods, CA	2.0	2.0	1040	$2,700	$2.60	26d	1	0.36mi
480 Calle Cadiz Unit B Laguna Woods, CA	2.0	2.0	1324	$3,100	$2.34	45d	1	0.38mi
224 Avenida Majorca Unit B Laguna Woods, CA	2.0	2.0	1009	$2,600	$2.58	45d	1	0.39mi
494 Calle Cadiz Laguna Woods, CA	2.0	2.0	1000	$3,900	$3.90	45d	1	0.42mi
221 Avenida Majorca Unit D Laguna Woods, CA	2.0	2.0	1438	$3,200	$2.23	26d	1	0.43mi
263 Calle Aragon Unit A Laguna Woods, CA	2.0	2.0	1275	$3,800	$2.98	19d	1	0.44mi
2049 Via Mariposa E Unit H Laguna Woods, CA	2.0	1.0	866	$2,900	$3.35	45d	1	0.45mi
281 Avenida Carmel Unit 0Q Laguna Woods, CA	1.0	1.0	770	$2,300	$2.99	45d	1	0.47mi
2022 Via Mariposa E Unit D Laguna Woods, CA	2.0	2.0	1305	$4,000	$3.07	45d	1	0.48mi
2022 Via Mariposa E Unit B Laguna Woods, CA	2.0	2.0	1325	$3,200	$2.42	20d	1	0.48mi
170 Avenida Majorca Unit D Laguna Woods, CA	2.0	1.0	1000	$2,500	$2.50	26d	1	0.51mi
2037 Via Mariposa E Laguna Woods, CA	2.0	2.0	1325	$3,300	$2.49	45d	1	0.52mi
23491 Via San Miguel Aliso Viejo, CA	3.0	2.0	1240	$3,850	$3.10	14d	1	0.54mi
158 Avenida Majorca Unit D Laguna Woods, CA	2.0	1.0	1300	$3,200	$2.46	45d	1	0.55mi
24555 Los Alisos Blvd Laguna Hills, CA	2.0	2.0	1007	$3,356	$3.33	45d	1	0.57mi
24555 Los Alisos Blvd Laguna Hills, CA	1.0	1.0	739	$2,515	$3.40	9d	1	0.57mi
24555 Los Alisos Blvd Laguna Hills, CA	2.0	2.0	1014	$3,250	$3.21	17d	1	0.57mi
23491 Los Adornos Aliso Viejo, CA	3.0	2.0	1250	$3,600	$2.88	45d	1	0.58mi
24391 Avenida de la Carlota Laguna Hills, CA	1.0–2.0	1.0–2.0	957	$3,965	$4.14	0d	19	0.58mi

HOA detail condo

• Monthly dues: $910 · $10,920/yr
• Likely covers: poolgym
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 24 events

1. 2026-06-21
   days on market $325,000 Active 48 DOM
2. 2026-06-18
   days on market $325,000 Active 45 DOM
3. 2026-06-17
   days on market $325,000 Active 44 DOM
4. 2026-06-16
   days on market $325,000 Active 43 DOM
5. 2026-06-15
   days on market $325,000 Active 42 DOM
6. 2026-06-13
   days on market $325,000 Active 40 DOM
7. 2026-06-13
   days on market $325,000 Active 39 DOM
8. 2026-06-09
   days on market $325,000 Active 36 DOM
9. 2026-06-08
   days on market $325,000 Active 35 DOM
10. 2026-06-07
    days on market $325,000 Active 34 DOM
11. 2026-06-04
    days on market $325,000 Active 31 DOM
12. 2026-06-03
    days on market $325,000 Active 30 DOM
13. 2026-06-02
    days on market $325,000 Active 29 DOM
14. 2026-06-01
    days on market $325,000 Active 28 DOM
15. 2026-05-31
    days on market $325,000 Active 27 DOM
16. 2026-05-04
    listed $325,000 Active 1144-char remark
17. 2021-08-02
    soldstatus $230,000 Closed Sale 912-char remark

    Show marketing remark (912 chars)

    Spacious Casa Blanca model 2 bedrooms and 2 baths in a great location, walking distance to club house 1, large living room with vaulted ceilings and a generous ENCLOSED BALCONY off the living room with an exterior space for BBQ. (Beautiful views make you feel like your living in a tree house. ) Lots of upgrades. CENTRAL HEAT/AIR, WASHER/DRYER, 2 SOLAR TUBES, DOUBLE PANE WINDOWS, EXTRA WINDOW in master bedroom. Ceiling Fans in Dining Room and both bedrooms. What more do you need? And, add to all this: Golf, tennis, pickleball, 7 clubhouses, Performing Arts theater, 5 swimming pools, 4 spas, equestrian center, gardening opportunities, over 250 clubs & organizations, Arts & crafts center has professional equipment for jewelry making, sewing, woodworking, painting, photography, ceramics. .. 3 fitness centers & much more! Country Club Living at its Best and only 7 miles to Laguna Beach.

18. 2021-07-28
    status Pending Sale 912-char remark

    Show marketing remark (912 chars)

    Spacious Casa Blanca model 2 bedrooms and 2 baths in a great location, walking distance to club house 1, large living room with vaulted ceilings and a generous ENCLOSED BALCONY off the living room with an exterior space for BBQ. (Beautiful views make you feel like your living in a tree house. ) Lots of upgrades. CENTRAL HEAT/AIR, WASHER/DRYER, 2 SOLAR TUBES, DOUBLE PANE WINDOWS, EXTRA WINDOW in master bedroom. Ceiling Fans in Dining Room and both bedrooms. What more do you need? And, add to all this: Golf, tennis, pickleball, 7 clubhouses, Performing Arts theater, 5 swimming pools, 4 spas, equestrian center, gardening opportunities, over 250 clubs & organizations, Arts & crafts center has professional equipment for jewelry making, sewing, woodworking, painting, photography, ceramics. .. 3 fitness centers & much more! Country Club Living at its Best and only 7 miles to Laguna Beach.

19. 2021-07-23
    soldstatus $230,000 Closed Sale 912-char remark

    Show marketing remark (912 chars)

    Spacious Casa Blanca model 2 bedrooms and 2 baths in a great location, walking distance to club house 1, large living room with vaulted ceilings and a generous ENCLOSED BALCONY off the living room with an exterior space for BBQ. (Beautiful views make you feel like your living in a tree house. ) Lots of upgrades. CENTRAL HEAT/AIR, WASHER/DRYER, 2 SOLAR TUBES, DOUBLE PANE WINDOWS, EXTRA WINDOW in master bedroom. Ceiling Fans in Dining Room and both bedrooms. What more do you need? And, add to all this: Golf, tennis, pickleball, 7 clubhouses, Performing Arts theater, 5 swimming pools, 4 spas, equestrian center, gardening opportunities, over 250 clubs & organizations, Arts & crafts center has professional equipment for jewelry making, sewing, woodworking, painting, photography, ceramics. .. 3 fitness centers & much more! Country Club Living at its Best and only 7 miles to Laguna Beach.

20. 2021-07-08
    status Pending Sale 912-char remark

    Show marketing remark (912 chars)

    Spacious Casa Blanca model 2 bedrooms and 2 baths in a great location, walking distance to club house 1, large living room with vaulted ceilings and a generous ENCLOSED BALCONY off the living room with an exterior space for BBQ. (Beautiful views make you feel like your living in a tree house. ) Lots of upgrades. CENTRAL HEAT/AIR, WASHER/DRYER, 2 SOLAR TUBES, DOUBLE PANE WINDOWS, EXTRA WINDOW in master bedroom. Ceiling Fans in Dining Room and both bedrooms. What more do you need? And, add to all this: Golf, tennis, pickleball, 7 clubhouses, Performing Arts theater, 5 swimming pools, 4 spas, equestrian center, gardening opportunities, over 250 clubs & organizations, Arts & crafts center has professional equipment for jewelry making, sewing, woodworking, painting, photography, ceramics. .. 3 fitness centers & much more! Country Club Living at its Best and only 7 miles to Laguna Beach.

21. 2021-05-30
    historical Active Under Contract 912-char remark

    Show marketing remark (912 chars)

    Spacious Casa Blanca model 2 bedrooms and 2 baths in a great location, walking distance to club house 1, large living room with vaulted ceilings and a generous ENCLOSED BALCONY off the living room with an exterior space for BBQ. (Beautiful views make you feel like your living in a tree house. ) Lots of upgrades. CENTRAL HEAT/AIR, WASHER/DRYER, 2 SOLAR TUBES, DOUBLE PANE WINDOWS, EXTRA WINDOW in master bedroom. Ceiling Fans in Dining Room and both bedrooms. What more do you need? And, add to all this: Golf, tennis, pickleball, 7 clubhouses, Performing Arts theater, 5 swimming pools, 4 spas, equestrian center, gardening opportunities, over 250 clubs & organizations, Arts & crafts center has professional equipment for jewelry making, sewing, woodworking, painting, photography, ceramics. .. 3 fitness centers & much more! Country Club Living at its Best and only 7 miles to Laguna Beach.

22. 2021-05-20
    listed $235,000 Active 912-char remark

    Show marketing remark (912 chars)

    Spacious Casa Blanca model 2 bedrooms and 2 baths in a great location, walking distance to club house 1, large living room with vaulted ceilings and a generous ENCLOSED BALCONY off the living room with an exterior space for BBQ. (Beautiful views make you feel like your living in a tree house. ) Lots of upgrades. CENTRAL HEAT/AIR, WASHER/DRYER, 2 SOLAR TUBES, DOUBLE PANE WINDOWS, EXTRA WINDOW in master bedroom. Ceiling Fans in Dining Room and both bedrooms. What more do you need? And, add to all this: Golf, tennis, pickleball, 7 clubhouses, Performing Arts theater, 5 swimming pools, 4 spas, equestrian center, gardening opportunities, over 250 clubs & organizations, Arts & crafts center has professional equipment for jewelry making, sewing, woodworking, painting, photography, ceramics. .. 3 fitness centers & much more! Country Club Living at its Best and only 7 miles to Laguna Beach.

23. 2002-02-22
    soldstatus $105,000

    Show marketing remark (378 chars)

    Highly, Highly Upgraded! Even Has Central Heating & Air. Almost All Upgrades Completed Within The Last Year. Neutral Tile In Entry, dining & Kitchen. Side-by-side Refrigerator W/ ice Maker, Convection Oven, Stackable Washer/dryer, trash Compactor. glass Enclosed Balcony (also Tiled). Two Solar Tube Skylights (dining Room & 2nd Bath). End Unit- So Master Bath

24. 2001-12-12
    listed $109,500

    Show marketing remark (378 chars)

    Highly, Highly Upgraded! Even Has Central Heating & Air. Almost All Upgrades Completed Within The Last Year. Neutral Tile In Entry, dining & Kitchen. Side-by-side Refrigerator W/ ice Maker, Convection Oven, Stackable Washer/dryer, trash Compactor. glass Enclosed Balcony (also Tiled). Two Solar Tube Skylights (dining Room & 2nd Bath). End Unit- So Master Bath

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 6 d/yr ≥92°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,938
• − Mortgage interest: −$18,205
• − Property taxes: −$4,875
• − Insurance: −$1,625
• − Repairs & maintenance: −$2,875
• − Management: −$2,875
• − HOA: −$10,920
• − Depreciation: −$9,455
• Taxable loss: −$14,892
• Est. tax savings @ 24.0%: +$3,574
• After-tax cash flow: $-5,907/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Saddleback Valley Unified
• NCES district ID: 0633860
• Math proficiency: 51% ▼ -2.00%
• Reading proficiency: 73% ▲ 9.00%
• Median HH income: $85,577
• Composite: 56.05/100
• National rank: #1185
• State rank: #67 of 517 in CA

Livability — Laguna Woods

• Score: 72/100
• State rank: #200
• US rank: #6421

Category grades

Amenities D+ Commute A+ Cost of living F Crime A+ Employment C Housing B- Health & safety F User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Laguna Woods, CA
• County: Orange County · 3,096,323 people
• City population: 17,289
• Metro: Los Angeles-Long Beach-Anaheim, CA
• Population (ZIP): 17,289
• Household income: $59,269
• Rent vs Own: 28.4% rent · 71.6% own
• Severe rent burden: 1572.0

Population outlook (Orange County) Hauer SSP2

• Today (2025): 3,477,456 people
• By 2030: 3,613,117 · +3.9%
• By 2040: 3,835,945 · +10.3%
• By 2050: 3,968,736 · +14.1%
• By 2075: 4,097,053 · +17.8%
• By 2100: 3,903,633 · +12.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Asian 24% Hispanic / Latino 5% Two or more races 3%
• Common ancestry: Romanian 4% Scotch-Irish 4% Lithuanian 3%
• Foreign-born: 31% · China, South Korea, Canada
• Languages at home: 72% English-only · Chinese 8% Korean 7% Other Indo-European 3%

Political lean MEDSL · Orange

• 2024 margin: Toss-up / Even · D 49.7% · R 47.1% · Other 3.2%
• 2008→2024 swing: +5.2pp toward D · 2008: -2.6pp · 2024: 2.6pp
• All cycles: 2024: D+2.6 2020: D+9.0 2016: D+7.7 2012: R+8.3 2008: R+2.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.88%
• Current HPI: 180.1191
• Rent YoY: ▲ 6.79%
• Metro: Los Angeles-Long Beach-Anaheim, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

+196.8% since first listed

9 events — show timeline

• 2026-05-04 Listed $325,000 CRMLS
• 2021-08-02 Sold (MLS) $230,000 CRMLS
• 2021-07-28 Pending — CRMLS
• 2021-07-23 Sold (MLS) $230,000 CRMLS
• 2021-07-08 Pending — CRMLS
• 2021-05-30 Contingent — CRMLS
• 2021-05-20 Listed $235,000 CRMLS
• 2002-02-22 Sold (MLS) $105,000 CRMLS
• 2001-12-12 Listed $109,500 CRMLS