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438 1/2 El Sueno Rd, Santa Barbara, CA 93110 — $798,000 · 1bd · ~0.4% rule | OnePercent

438 1/2 El Sueno Rd, Santa Barbara, CA 93110

$798,000

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Santa Barbara 93110·438 1/2 El Sueno Rd, Santa Barbara, CA 93110

Last confirmed 4 days ago · −11.2% since list · seller motivation 50

438 1/2 El Sueno Rd, Santa Barbara, CA 93110

1 bd · 1 ba · 416 sqft · built 1950 · Santa Barbara · SINGLE_FAMILY·source listing ↗

$798,000

$899,000 first listed

seller intel

Price cut

−11.2%

from $899,000

Motivation score

50/100

rent, three ways

OnePercent model (vv1)

$2,840/mo

p10–p90 confidence band

HUD Fair Market Rent · 93110 · 1BR$3,160/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Santa Barbara

Flood risk indexVery High FEMA NRI

Median household income$129,209

Median area rent$2,326/mo

Median home value$1,199,500

the verdict

0.36%vs 1.0% target

Modeled rent: $2,840/morent estimate
Property tax: —listing
Insurance: $1,456/yrstate avg
HOA: —listing

Cap rate: 1.9%
Cash flow: $2,746/mo
Cash-on-cash: -18.0%

financing: 20% down · — (FRED, live) · 30yr

$798,000

0.36% · rent $2,840

Intrinsic value · income approach

$921,849

13% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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