13624 Monte Del Sol #142 · Prunedale, CA 95012

$165,000

2 bd · 2.0 ba · 816 sqft · Manufactured · 230 Days on market

Built 1976 $202/sqft · at area comps Est $171k · at est.

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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).

• Cash flow +13.6/30.0
• ARV discount +9.2/15.0
• DSCR +4.1/10.0
• 1% rule +3.8/10.0
• Schools +2.8/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

Key facts

• Pantry cabinet
• Laundry area
• Community amenities

Tags

• GAS OVEN RANGE
• PANTRY CABINET
• HARDWOOD AND TILE FLOORING
• SIDE YARD
• LAUNDRY AREA
• COMMUNITY AMENITIES

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $165k.

Deal economics

• At list price, monthly cash flow is $10 ($125/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $146k (11.7% below list).
• Recommended offer: $145k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.4% vs local median 2.3% in Prunedale — 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 56/100 on livability (#780 in CA) — a working-class tenant base; expect higher turnover. Strengths: employment A+, housing B+; Watch: crime C-, amenities F, commute F.
• North Monterey County Unified (suburban): math 20% / reading 34% proficiency, ranked #1,055 of 1,400 in CA (top 75%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 12 active listings in the ZIP; 530 units permitted in Monterey County in 2024 (50 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Monterey County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 230 days — a 12% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
• 12 sale attempts since 3y ago; this cycle's ask is 10% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $94k; list at $165k implies a 76% gain — meaningful room to come down on a strong offer.

Recommended offer $145,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 230 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.88% ✗
• Cap rate: 6.37%
• Cash-on-cash: 0.27%
• DSCR: 1.01
• GRM: 9.4

CMA / ARV

• ARV (median comp): $171,426
• List price: $165,000
• Delta: -3.75%
• Verdict: FAIR
• Comps: 1 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -15.9%
• Equity multiple: 0.44×
• Total profit: $-26,053
• Equity at exit: $24,602

10-year hold

• IRR: -7.4%
• Equity multiple: 0.53×
• Total profit: $-21,746
• Equity at exit: $14,266

Cash invested: $46,200 (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 95012

• Active inventory: 12
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,457 medium
• Mortgage (P&I): −$865
• Tax est. 1.5%: −$206 /mo · $2,475/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$306
• Net cashflow: $10

Break-even live

Break-even rent $1,443

Max offer price $165,000

Occupancy floor 94%

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: $41,250
• Closing costs: $4,950
• Reserves months: —
• Total cash needed: —

Listing history 45 events

1. 2026-06-18
   days on market $165,000 Active 230 DOM
2. 2026-06-17
   days on market $165,000 Active 229 DOM
3. 2026-06-16
   days on market $165,000 Active 228 DOM
4. 2026-06-15
   days on market $165,000 Active 227 DOM
5. 2026-06-14
   days on market $165,000 Active 225 DOM
6. 2026-06-13
   days on market $165,000 Active 224 DOM
7. 2026-06-10
   days on market $165,000 Active 222 DOM
8. 2026-06-09
   days on market $165,000 Active 221 DOM
9. 2026-06-08
   days on market $165,000 Active 220 DOM
10. 2026-06-07
    days on market $165,000 Active 219 DOM
11. 2026-06-05
    days on market $165,000 Active 216 DOM
12. 2026-06-03
    days on market $165,000 Active 215 DOM
13. 2026-06-02
    days on market $165,000 Active 214 DOM
14. 2026-05-31
    days on market $165,000 Active 212 DOM
15. 2026-05-30
    days on market $165,000 Active 211 DOM
16. 2025-12-08
    status Active 1278-char remark

    Show marketing remark (1278 chars)

    Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

17. 2025-12-08
    price $165,000 1278-char remark

    Show marketing remark (1278 chars)

    Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

18. 2025-12-08
    status Active 1278-char remark

    Show marketing remark (1278 chars)

    Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

19. 2025-12-08
    price $165,000 1278-char remark

    Show marketing remark (1278 chars)

    Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

20. 2025-12-03
    historical 1278-char remark

    Show marketing remark (1278 chars)

    Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

21. 2025-12-03
    historical 1278-char remark

    Show marketing remark (1278 chars)

    Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

22. 2025-10-27
    listed $150,000 Active 1278-char remark

    Show marketing remark (1278 chars)

    Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

23. 2025-10-27
    listed $150,000 Active 1278-char remark

    Show marketing remark (1278 chars)

    Welcome to this charming 2-bedroom, 2-bathroom home located in the heart of Castroville. Spanning 816 square feet, this cozy residence offers a variety of desirable features. The kitchen is well-equipped with a gas oven range, dishwasher, refrigerator, and pantry cabinet, ensuring you have all the essentials for meal preparation and storage. The home includes a combination of hardwood and tile flooring throughout. PRICED TO SELL! 2-bed, 2-bath split in two units. The side yard has room for a garden, BBQ area, or children's playground, plus room for your pets! Both units have laundry area comes complete with a washer and dryer for your convenience. Additionally, the property boasts 4 garage spaces, perfect for parking and extra storage. In a well-established family park. with great community amenities; workout room, a hot tub, two clubhouses, laundry facilities and a family park, a basketball area, and much more! Close to Hwy 101. Placed in a desirable all-age park with many amazing amenities. This home is part of the North Monterey County Unified Elementary School District. Experience the convenience and charm of living in Castroville, with its small town feel and community-oriented atmosphere. Don't miss the opportunity to make this delightful home yours!

24. 2025-10-22
    historical
25. 2025-06-03
    status Active
26. 2025-06-01
    historical
27. 2025-05-06
    price
28. 2025-04-04
    price
29. 2025-01-13
    listed Active
30. 2023-11-09
    soldstatus $94,000
31. 2023-11-09
    soldstatus $94,000 Sold
32. 2023-10-14
    status Pending (Do Not Show)
33. 2023-09-23
    status Active
34. 2023-09-23
    price $99,000
35. 2023-08-28
    historical Contingent
36. 2023-08-10
    price $110,000
37. 2023-08-10
    status Active
38. 2023-07-10
    historical Contingent
39. 2023-06-08
    status Pending (Do Not Show)
40. 2023-06-02
    status Active
41. 2023-05-20
    status Active
42. 2023-04-14
    historical
43. 2023-04-14
    historical
44. 2023-04-10
    listed $99,000
45. 2023-04-10
    listed $115,000 Active

ⓘ 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 2/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥79°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 6/10 Major 11 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,478
• − Mortgage interest: −$9,243
• − Property taxes: −$2,475
• − Insurance: −$825
• − Repairs & maintenance: −$1,398
• − Management: −$1,398
• − Depreciation: −$4,800
• Taxable loss: −$2,661
• Est. tax savings @ 24.0%: +$639
• After-tax cash flow: $763/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: North Monterey County Unified
• NCES district ID: 0627590
• Math proficiency: 20% ▲ 1.00%
• Reading proficiency: 34% ▲ 4.00%
• Median HH income: $66,789
• Composite: 28.25/100
• National rank: #12165
• State rank: #1055 of 1400 in CA

Livability — Prunedale

• Score: 56/100
• State rank: #780
• US rank: #22467

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Prunedale, CA
• City population: 24,922
• Population (ZIP): 11,147

Population outlook (Monterey County) Hauer SSP2

• Today (2025): 458,436 people
• By 2030: 469,418 · +2.4%
• By 2040: 489,615 · +6.8%
• By 2050: 506,696 · +10.5%
• By 2075: 531,048 · +15.8%
• By 2100: 519,153 · +13.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (87%)
• Race & ethnicity: Hispanic / Latino 87% Two or more races 12% White 7% Pacific Islander 2% Asian 2%
• Hispanic origin (detail): Mexican 84%
• Foreign-born: 32% · Canada
• Languages at home: 25% English-only · Spanish 75%

Political lean MEDSL · Monterey

• 2024 margin: Strong D (+29.9) · D 63.4% · R 33.5% · Other 3.0%
• 2008→2024 swing: -8.4pp toward R · 2008: 38.3pp · 2024: 29.9pp
• All cycles: 2024: D+29.9 2020: D+41.3 2016: D+39.7 2012: D+33.9 2008: D+38.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -258.63%
• Current HPI: 251.1028
• Rent YoY: —
• Metro: —
• 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

+66.7% since first listed

30 events — show timeline

• 2025-12-08 Relisted — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-12-08 Price Changed $165,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-12-08 Relisted — MLSListings
• 2025-12-08 Price Changed $165,000 MLSListings
• 2025-12-03 Listing Removed — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-12-03 Listing Removed — MLSListings
• 2025-10-27 Listed $150,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-10-27 Listed $150,000 MLSListings
• 2025-10-22 Listing Removed — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-06-03 Relisted — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-06-01 Listing Removed — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-05-06 Price Changed — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-04-04 Price Changed — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-01-13 Listed — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2023-11-09 Sold (MLS) $94,000 MLSListings
• 2023-11-09 Sold (MLS) $94,000 San Francisco MLS
• 2023-10-14 Pending — MLSListings
• 2023-09-23 Relisted — MLSListings
• 2023-09-23 Price Changed $99,000 MLSListings
• 2023-08-28 Contingent — MLSListings
• 2023-08-10 Price Changed $110,000 MLSListings
• 2023-08-10 Relisted — MLSListings
• 2023-07-10 Contingent — MLSListings
• 2023-06-08 Pending — MLSListings
• 2023-06-02 Relisted — MLSListings
• 2023-05-20 Relisted — MLSListings
• 2023-04-14 Listing Removed — MLSListings
• 2023-04-14 Listing Removed — MLSListings
• 2023-04-10 Listed $115,000 MLSListings
• 2023-04-10 Listed $99,000 San Francisco MLS