27 Beechwood Ct · Moskowite Corner, CA 94558

$540,000

3 bd · 2.5 ba · 2,703 sqft · Land public records · 123 Days on market

Built 1989 10,119 sqft lot $200/sqft · 28% below area Est $746k · 28% under $38/mo HOA · 1% of rent

---

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 +15.0/15.0
• Cash flow +7.6/30.0
• Schools +4.0/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• 1% rule +1.9/10.0
• Livability +1.9/5.0
• DSCR +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Private, sunny retreat with sweeping views and generous space. This 3 bedroom home plus office offers 2.5 bathrooms, vaulted ceilings, skylights, and abundant natural light throughout. The family room-kitchen combination features warm wood-beamed ceilings and a wood burning stove creating an inviting central gathering space. Multiple decks wrap the home, perfect for enjoying the views of the hills beyond and the natural, peaceful setting. Additional highlights include a two-car garage, separate laundry room, and ample storage. The permitted sunroom adds flexible living space and is a wonderful spot to develop your green thumb, while the yard is accented by a hand-built Japanese tea housea rare and soulful feature. With beautiful bones and contemporary architectural details, the home is ready for a new owner's personal touches and updates. Generous square footage at this price point makes this a standout opportunity. Circle Oaks is a Firewise community just Northeast of downtown Napa towards Lake Berryessa. It's proximity to the Napa Valley and also to Fairfield to the East make this an extremely convenient location but with stunning privacy and a gorgeous country setting. There's tremendous value in this home and property waiting to be realized.

Key facts

• Multiple decks
• Firewise community
• Sweeping views

Tags

• SWEEPING VIEWS
• WOOD BURNING STOVE
• MULTIPLE DECKS
• HAND-BUILT JAPANESE TEA HOUSE
• PERMITTED SUNROOM
• FIREWISE COMMUNITY

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath land listed at $540k.

Deal economics

• At list price, monthly cash flow is $-645 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $426k (21.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $371k (31.3% below list).
• Recommended offer: $371k (31.3% below list) — sets the bar for 1% rule.
• Cap rate 4.9% vs local median 3.5% in Moskowite Corner — 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 37/100 on livability (#1,427 in CA) — a limited-amenity area; tenant pool skews transient or value-seeking. Strengths: crime A; Watch: health & safety D, schools F, amenities F.
• Napa Valley Unified (urban): math 35% / reading 48% proficiency, ranked #599 of 1,400 in CA (top 43%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.5%/yr); 538 active listings in the ZIP; high-income renter base; 427 units permitted in Napa County in 2024 (189 in 5+ unit buildings).
• This rent runs 39% of the median local income ($113k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $4k of loan paydown is wiped out by about $16k of value loss. Plan a longer hold.
• Napa County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 123 days — a 12% lower offer ($475k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $238k; list at $540k implies a 127% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $370,741 (31.3% 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 123 days. Have you received any prior offers? Is the seller open to a 31% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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 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: 0.69% ✗
• Cap rate: 4.86%
• Cash-on-cash: -5.12%
• DSCR: 0.77
• GRM: 12.1

CMA / ARV

• ARV (median comp): $746,134
• List price: $540,000
• Delta: -27.63%
• Verdict: UNDERPRICED
• Comps: 15 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -28.2%
• Equity multiple: 0.08×
• Total profit: $-139,460
• Equity at exit: $80,516

10-year hold

• IRR: -43.0%
• Equity multiple: -0.43×
• Total profit: $-216,454
• Equity at exit: $46,689

Cash invested: $151,200 (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 94558

• Rents YoY: -0.5%
• Active inventory: 538
• Price-to-rent: 12.1×

Monthly cashflow live

• Estimated rent: $3,707 medium
• Mortgage (P&I): −$2,832
• Tax from tax record: −$479 /mo · $5,743/yr
• Insurance: −$225
• HOA: −$38
• Vacancy / Maint / Mgmt: −$779
• Net cashflow: $-645

Break-even live

Break-even rent $4,523

Max offer price $426,143

Occupancy floor —

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: $135,000
• Closing costs: $16,200
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $38 · $456/yr

Listing history 14 events

1. 2026-06-09
   status $540,000 Pending 123 DOM
2. 2026-06-08
   days on market $540,000 Contingent (Show) 123 DOM
3. 2026-06-07
   days on market $540,000 Contingent (Show) 122 DOM
4. 2026-06-05
   days on market $540,000 Contingent (Show) 119 DOM
5. 2026-06-03
   days on market $540,000 Contingent (Show) 118 DOM
6. 2026-06-02
   days on market $540,000 Contingent (Show) 117 DOM
7. 2026-06-01
   days on market $540,000 Contingent (Show) 116 DOM
8. 2026-05-31
   days on market $540,000 Contingent (Show) 115 DOM
9. 2026-05-30
   days on market $540,000 Contingent (Show) 114 DOM
10. 2026-05-04
    price $540,000 1268-char remark

    Show marketing remark (1268 chars)

    Private, sunny retreat with sweeping views and generous space. This 3 bedroom home plus office offers 2.5 bathrooms, vaulted ceilings, skylights, and abundant natural light throughout. The family room-kitchen combination features warm wood-beamed ceilings and a wood burning stove creating an inviting central gathering space. Multiple decks wrap the home, perfect for enjoying the views of the hills beyond and the natural, peaceful setting. Additional highlights include a two-car garage, separate laundry room, and ample storage. The permitted sunroom adds flexible living space and is a wonderful spot to develop your green thumb, while the yard is accented by a hand-built Japanese tea housea rare and soulful feature. With beautiful bones and contemporary architectural details, the home is ready for a new owner's personal touches and updates. Generous square footage at this price point makes this a standout opportunity. Circle Oaks is a Firewise community just Northeast of downtown Napa towards Lake Berryessa. It's proximity to the Napa Valley and also to Fairfield to the East make this an extremely convenient location but with stunning privacy and a gorgeous country setting. There's tremendous value in this home and property waiting to be realized.

11. 2026-03-16
    price $575,000 1268-char remark

    Show marketing remark (1268 chars)

    Private, sunny retreat with sweeping views and generous space. This 3 bedroom home plus office offers 2.5 bathrooms, vaulted ceilings, skylights, and abundant natural light throughout. The family room-kitchen combination features warm wood-beamed ceilings and a wood burning stove creating an inviting central gathering space. Multiple decks wrap the home, perfect for enjoying the views of the hills beyond and the natural, peaceful setting. Additional highlights include a two-car garage, separate laundry room, and ample storage. The permitted sunroom adds flexible living space and is a wonderful spot to develop your green thumb, while the yard is accented by a hand-built Japanese tea housea rare and soulful feature. With beautiful bones and contemporary architectural details, the home is ready for a new owner's personal touches and updates. Generous square footage at this price point makes this a standout opportunity. Circle Oaks is a Firewise community just Northeast of downtown Napa towards Lake Berryessa. It's proximity to the Napa Valley and also to Fairfield to the East make this an extremely convenient location but with stunning privacy and a gorgeous country setting. There's tremendous value in this home and property waiting to be realized.

12. 2026-02-05
    listed $625,000 Active 1268-char remark

    Show marketing remark (1268 chars)

    Private, sunny retreat with sweeping views and generous space. This 3 bedroom home plus office offers 2.5 bathrooms, vaulted ceilings, skylights, and abundant natural light throughout. The family room-kitchen combination features warm wood-beamed ceilings and a wood burning stove creating an inviting central gathering space. Multiple decks wrap the home, perfect for enjoying the views of the hills beyond and the natural, peaceful setting. Additional highlights include a two-car garage, separate laundry room, and ample storage. The permitted sunroom adds flexible living space and is a wonderful spot to develop your green thumb, while the yard is accented by a hand-built Japanese tea housea rare and soulful feature. With beautiful bones and contemporary architectural details, the home is ready for a new owner's personal touches and updates. Generous square footage at this price point makes this a standout opportunity. Circle Oaks is a Firewise community just Northeast of downtown Napa towards Lake Berryessa. It's proximity to the Napa Valley and also to Fairfield to the East make this an extremely convenient location but with stunning privacy and a gorgeous country setting. There's tremendous value in this home and property waiting to be realized.

13. 1994-02-14
    soldstatus $238,000
14. 1994-02-14
    soldstatus $238,000

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

Tax reassessment forecast CA · Resets to sale price

• Current annual tax: $5,743 · $479/mo
• Projected year-2 tax: $5,743 · $479/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 26 unhealthy d/yr today · 27 by 30 yrs out

Taxation est. · year 1

• Rental income: $44,489
• − Mortgage interest: −$30,248
• − Property taxes: −$5,743
• − Insurance: −$2,700
• − Repairs & maintenance: −$3,559
• − Management: −$3,559
• − HOA: −$456
• − Depreciation: −$15,709
• Taxable loss: −$17,485
• Est. tax savings @ 24.0%: +$4,197
• After-tax cash flow: $-3,538/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: Napa Valley Unified
• NCES district ID: 0626640
• Math proficiency: 35% ▲ 1.00%
• Reading proficiency: 48% ▲ 2.00%
• Median HH income: $72,007
• Composite: 40.18/100
• National rank: #7827
• State rank: #599 of 1400 in CA

Livability — Moskowite Corner

• Score: 37/100
• State rank: #1427
• US rank: #27607

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Napa County · 120,669 people
• Metro: Napa, CA
• Population (ZIP): 63,657
• Household income: $113,269
• Rent vs Own: 32.5% rent · 67.5% own
• Severe rent burden: 2095.0

Population outlook (Napa County) Hauer SSP2

• Today (2025): 153,987 people
• By 2030: 159,490 · +3.6%
• By 2040: 168,796 · +9.6%
• By 2050: 176,213 · +14.4%
• By 2075: 190,113 · +23.5%
• By 2100: 190,528 · +23.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 54% Hispanic / Latino 37% Two or more races 15% Asian 3% Native American 1%
• Hispanic origin (detail): Mexican 31%
• Common ancestry: Italian 4% Lithuanian 2% Portuguese 2%
• Foreign-born: 21% · Canada
• Languages at home: 68% English-only · Spanish 28% Other Indo-European 1% Tagalog/Filipino 1%

Political lean MEDSL · Napa

• 2024 margin: Solid D (+34.9) · D 65.9% · R 31.1% · Other 3.0%
• 2008→2024 swing: +2.4pp toward D · 2008: 32.5pp · 2024: 34.9pp
• All cycles: 2024: D+34.9 2020: D+40.4 2016: D+35.2 2012: D+25.7 2008: D+32.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -842.94%
• Current HPI: 296.0661
• Rent YoY: ▼ -0.50%
• Metro: Napa, 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

+126.9% since first listed

5 events — show timeline

• 2026-05-04 Price Changed $540,000 BAREIS
• 2026-03-16 Price Changed $575,000 BAREIS
• 2026-02-05 Listed $625,000 BAREIS
• 1994-02-14 Sold (Public Records) $238,000 Public Records
• 1994-02-14 Sold (Public Records) $238,000 Public Records

Property tax history

+2.5%/yr

Latest (2025): $5,743 · +3.3% YoY. Source: county tax records.