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1254 White Oak — El Cajon — 5 Beds • 4 Baths • 2,607 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+40 more

$1,049,999

19 DOM

$403/sqft5 bd4 ba2,607 sqftHOA ~214/mo

Call

1254 White Oak El Cajon, CA 92020

3,741sqft lot

Don’t miss this turnkey 5BD/3.5BA, 2,607 sq. ft. home in El Cajon! Competitively priced and ready for immediate move-in, it features a freshly painted interior, brand new carpet throughout, and a main-level bedroom with private bath—a rare and versatile feature. Situated near the end of a cul-de-sac, the home offers a more private setting with reduced through traffic. Upstairs, a loft area adds flexible space for work, hobbies, or entertainment, along with 4 additional bedrooms and 2 bathrooms. With spacious living areas, modern updates, and move-in ready appeal, this home offers style, space, and value in a desirable location. Act fast—homes like this don’t last!

MLS 260007058SD

888-294-1415 (Office) 760-859-6311 (Cell) edgar@porchlightsocal.com

Est. payment

$6,923/mo

Principal & interestTaxesInsuranceHOA

$5,309$1,094$306$214

Down %

Rate %

Years

Down payment: $210,000 · Total cost: $2,121,372

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$6,923/mo

Principal & interest: $5,309
Est. property tax: $1,094
Est. insurance: $306
HOA (normalized / mo): $214
Down payment: $210,000

Est. gross rent$4,375/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-2,548/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Virtual Tour

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Price History

Event	Date	Price	Change
Listed	Mar 26, 2026	$1,099,999	—

Facts & Features

Transaction Data

▼Price Reduced from $1,099,999 (−$50,000)

HOA Fee$213.6/monthly

Structure & Property

Year Built2016

Garage Spaces2

888-294-1415 (Office) 760-859-6311 (Cell) edgar@porchlightsocal.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

1254 White Oak, El Cajon, CA 92020

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1254 White Oak El Cajon, CA 92020

About this home

Edgar Gomez Jr.

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Edgar Gomez Jr.

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

1254 White Oak, El Cajon, CA 92020

About This Property

Property Photos

1254 White Oak El Cajon, CA 92020

About this home

Edgar Gomez Jr.

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Edgar Gomez Jr.

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.