1079 21st Street

1079 21st Street

D

San Diego, CA 92102

$1,595,000
NEW — 0d on market

Beds

4

Baths

2.5

Sqft

1,798

Year Built

1904

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2602955

Description

Beautifully maintained 4BR/2.5BA home in the heart of Golden Hill, blending original period charm with modern upgrades. Set high above the street for privacy, this home offers the rare combination of urban living and the coziness of a single-family retreat—plus incredible views of Downtown San Diego. Energy-efficient features include a Lennox A/C system, heat pump water heater, and fully paid solar. Classic architecture, a charming façade, and inviting outdoor spaces create a warm, distinctive atmosphere. Just minutes to Balboa Park and Downtown, with easy access to museums, dining, entertainment, and major employment hubs. Enjoy Golden Hill’s walkable lifestyle with Luigi’s Pizza, Turf Supper Club, and two coffee shops just around the corner. A rare opportunity to own a character-rich home in one of San Diego’s most sought-after neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$10,125

Principal & Interest$8,065
Property Tax$1,595
Insurance$465
%($319,000)
%

Investment Score

0D
Est. Monthly Rent
$4,269
Monthly Cashflow

Rent − PITIA

$-5,856
Full Cashflow

Incl. vacancy, PM, maint, capex

$-8,167

Mortgage (P+I)
$8,065
Cap Rate
-0.08%
Cash-on-Cash
-30.72%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.42
Break-even Rent
$14,876

NOI (Annual)
$-1,224
Price-to-Rent

Lower = better for investors

31.1

* 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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