1075 Opal St
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1075 Opal St

D

San Diego, CA 92109

$3,250,000
NEW — 6d

Beds

5

Baths

3.5

Sqft

2,311

Year Built

2026

Days on Market

6

Property Type

Single Family

HOA/mo

N/A

MLS ID

260011828SD

This property is in San Diego (92109). View neighborhood stats →

About This Property

Rare opportunity to own a distinctive newly constructed corner-lot residence in the heart of North PB. Just blocks from the beach, 1075 Opal offers 2,311sf of thoughtfully designed interiors that blend contemporary architecture with warm, organic finishes. Soaring 12-foot ceilings in the great room and primary suite create an airy, open feel reinforced by white oak floors and bright coastal tones. Two fireplaces add ambiance to the great room and primary suite. Designed for quintessential indoor/outdoor living, the spacious great room opens via expansive accordion doors to a hardscaped outdoor living space and a 400sf rooftop deck atop the carport- perfect for relaxing, entertaining and enjoying coastal sunsets. This custom-build also features finished closets, a premium cooks’ kitchen with Thermador appliances, a walk-in pantry, bedroom balconies, and multiple dedicated storage spaces. Includes solar and outlets for EV chargers in the carport.

Mortgage Calculator

Est. Monthly Payment

$20,632

Principal & Interest$16,434
Property Tax$3,250
Insurance$948
%($650,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$8,009
Monthly Cashflow

Rent − PITIA

$-12,623
Full Cashflow

Incl. vacancy, PM, maint, capex

$-17,173

Mortgage (P+I)
$16,434
Cap Rate
-0.27%
Cash-on-Cash
-31.70%
DSCR

Need ≥ 1.25 for DSCR loan

0.39
Break-even Rent
$30,312

NOI (Annual)
$-8,873
Price-to-Rent

Lower = better for investors

33.8

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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