OFF_MARKETRisky Deal58 days on market

169 N Main St

169 N Main St, Angels Camp, CA 95222, Angels Camp, CA 95222
$749,000
Zestimate®:$713,400

Listing Price

Property image 1
169 N Main St, Angels Camp, CA 95222
Loc: Angels Camp, CA
Days Listed
58
Tax Assessed
$363k
Zestimate®
$713k
Market Rate
Lot Size
0.35 acres
Rent Estimate
$2,508/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

7

Mark Twain Elementary School

K-8
0.9 mi away
7

Bret Harte Union High School

9-12
0.6 mi away

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Risky
Confidence Score: 3/10
Exercise caution due to potential market volatility.
Cap Rate
2.88%
Total ROI
4.0%
Cash Flow
$-1,993/mo
DSCR
0.47
Was this AI Verdict accurate?

Data provided by Haven AI. Disclaimer

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Haven AI

A conservative analysis of 169 N Main St reveals an unfavorable risk-to-reward ratio. At a purchase price of $749,000, the property generates a meager 2.88% rental yield. Most critically, the expected monthly cash flow is deeply negative at -$1,992.77. This severe deficit of nearly $2,000 per month forces the investor to heavily subsidize the property out-of-pocket, completely eclipsing the modest 4% projected annual appreciation. While Angels Camp offers historic charm, the underlying financial metrics present an unsustainable cash drain, making this asset highly risky for income-focused investors.

Strengths
  • Desirable historic location in Angels Camp, CA, with potential appeal for vacation rental conversion.
  • Solid property configuration with 3 bedrooms and 2 bathrooms over 1,665 sqft.
  • Stable projected annual appreciation rate of 4%.
Considerations
  • Severe negative monthly cash flow of -$1,992.77, creating a massive holding cost.
  • Abysmally low rental yield of 2.88%, which fails to cover debt service and operating expenses.
  • High purchase price of $749,000 relative to the rental income potential in this market segment.
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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-04-05Listed for sale$749,000$450
2021-04-27Sold$355,000$213
2021-04-14Pending sale$375,000$225
2020-11-17Price change$375,000$225
2020-06-29Price change$390,000$234
2020-05-28Listed for sale$399,000$240
2020-04-21Listing removed$399,000$240
2020-03-24Listed for sale$399,000$240
2020-01-03Listing removed$399,000$240
2020-01-02Price change$399,000$240
2019-10-29Price change$439,000$264
2019-08-15Price change$449,000$270
2019-07-19Price change$475,000$285
2019-06-03Price change$525,000$315
2019-04-23Listed for sale$575,000$345

Tax History

YearProperty TaxTax Assessment
2025$4,163.46$362,613
2024$4,122.88$355,504
2023$1,097.82$76,031
2022$962.04$74,542
2021$947.36$73,082
2020$940.88$72,334
2019$929.48$70,917
2018$913.74$69,528
2017$0$68,166
2016$0$66,831
2015$0$65,828
2014$0$64,540
2013$0$64,249
2012$0$62,990
2011$0$61,756
2010$0$61,295
2009$0$61,442
2008$0$60,238
2007$0$59,058
2006$0$57,901
2003$0$39,335
2002$0$38,565
2001$0$37,809
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
3
Baths
2
Sq Ft
1,665
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $749,000Rent Basis: Observed Comp Model ($2,508/mo)State Tax Benchmark: 0.75% (CA)Hazard Reserve: $375/mo
Haven ScoreRisky
0/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
2.13%

NOI: $15,954/yr

Cash-on-Cash Yield
-17.8%

On $172,270 invested

DSCR Ratio
0.34x

Negative debt coverage

5-Yr Leveraged ROI
+5.1%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (0.75% of basis)-$227/mo
Homeowner / Hazard Insurance-$375/mo
Vacancy Reserve (5% of rent)-$125/mo
Repairs & Maintenance (10% of rent)-$251/mo
Property Management (8% of rent)-$201/mo
Total Pure Operating Expenses-$1,178/mo
Net Investor Cash Flow
Gross Scheduled Rent+$2,508/mo
Less: Operating Expenses-$1,178/mo
Net Operating Income (NOI)+$1,330/mo
Less: Debt Service (30yr @ 6.75%)-$3,886/mo
Net Cash Flow
$-2,557/mo
$-30,682/year
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