135 4th Street
1 / 20

135 4th Street

C

Encinitas, CA 92024

$2,600,000
NEW — 2d

Soft Appraisal Value: $2,496,400 · 4.1% above estimate

Beds

2

Baths

1

Sqft

1,132

Year Built

1949

Days on Market

2

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2606593

This property is in Encinitas (92024). View neighborhood stats →

Virtual Tour

About This Property

Steps from Moonlight Beach, embrace coastal living in this 1949-built, single-story 2-bed/1-bath beach cottage. Whether you're looking to shift to a slower pace of life, or reinvent the home as your dream retreat, 135 4th offers endless potential. The property includes a detached one-car garage with additional storage, conveniently accessed from the rear alley. Fully fenced, and level, the spacious backyard and side yard provide a private setting that's perfect for entertaining, relaxing, or future expansion. You'll inherit a rhythm of walking: stroll to Moonlight Beach, grab your morning coffee from a local brewer, bike or walk the Coastal Rail Trail, dine at nearby restaurants, indulge in generous scoops from Cali Cream, and end each day watching unforgettable sunsets with your feet in the sand. This is a rare opportunity to create your own version of the Endless Summer lifestyle in one of San Diego's most desirable beach locations.

Mortgage Calculator

Est. Monthly Payment

$16,505

Principal & Interest$13,147
Property Tax$2,600
Insurance$758
%($520,000)
%

Location

Loading map...

Investment Score

0D
Est. Monthly Rent
$5,010
Monthly Cashflow

Rent − PITIA

$-11,495
Full Cashflow

Incl. vacancy, PM, maint, capex

$-14,814

Mortgage (P+I)
$13,147
Cap Rate
-0.77%
Cash-on-Cash
-34.19%
DSCR

Need ≥ 1.25 for DSCR loan

0.30
Break-even Rent
$24,249

NOI (Annual)
$-20,004
Price-to-Rent

Lower = better for investors

43.2

* 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