1220 Emerald St

1220 Emerald St

D

San Diego, CA 92109

$3,299,000

Soft Appraisal Value: $3,214,100 · 2.6% above estimate

Beds

5

Baths

4

Sqft

3,270

Year Built

2017

Days on Market

54

Property Type

Single Family

HOA/mo

N/A

MLS ID

260002650SD

View on MLS

Description

Just blocks from the sand, boardwalk, and vibrant heart of Pacific Beach, this 2017-built coastal retreat blends modern design with the relaxed elegance of Southern California living. An open-concept layout showcases a chef’s kitchen with Viking appliances, quartz countertops, and a built-in wine fridge, seamlessly connecting to spacious living areas and a private backyard oasis with a resort-style pool and spa. Entertain in style on the rooftop deck, where panoramic ocean and sunset views stretch from Mission Bay to the cliffs of La Jolla. Built for versatility, this home is equally perfect for raising a family, hosting unforgettable gatherings, or operating as a high-income producing short-term rental. Additional highlights include dual EV chargers, integrated sound throughout, and an unbeatable walkable location near top restaurants, boutiques, and outdoor activities. Experience Pacific Beach living at its finest in one of San Diego’s most coveted neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$20,943

Principal & Interest$16,682
Property Tax$3,299
Insurance$962
%($659,800)
%

Investment Score

1D
Est. Monthly Rent
$10,752
Monthly Cashflow

Rent − PITI − HOA

$-10,191
Full Cashflow

Incl. vacancy, PM, maint, capex

$-15,413

Mortgage (P+I)
$16,682
Cap Rate
0.46%
Cash-on-Cash
-28.03%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.51
Break-even Rent
$30,768

NOI (Annual)
$15,226
Price-to-Rent

Lower = better for investors

25.6

* 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.

Get Expert AnalysisOpen Full Calculator