
200 Harbor Drive #3702
Dbottom 20%San Diego, CA 92101
One license per person in San Diego: whether you can hold it depends on you, not only the home.
157 licensed short-term rentals within ½ mile (105 whole home), from the cities' license and permit lists of Nov 11, 2026.
1 short-term rental license on file in this 49-unit complex, so its HOA has allowed them. Confirm in the CC&Rs: an HOA can ban stays under 30 days (Civ. Code §4741).
Pass at asking: -$14,792/mo full cashflow at 20% down, 7.43% rate.
Works at $569,141 (77% under asking); even all cash loses money at asking.
Rent $8,365/mo from 2 leases in this building ($8,048–$8,683).
Beds
2
Baths
2.5
Sqft
2,085
Year Built
1992
Days on Market
95
Property Type
Condo
HOA/mo
$2,069.81
MLS ID
260019375SD
This property is in San Diego (92101). View neighborhood stats →
About This Property
Rarely available, this exceptional half-floor residence occupies the entire west side of the tower and is part of Harbor Club's exclusive collection of residences found only on the 36th through 38th floors. Spanning 2,085 square feet, this beautifully renovated 2-bedroom, 2.5-bath home occupies the entire west side of the tower, capturing breathtaking panoramic views of the San Diego Bay, Pacific Ocean, Coronado, the Coronado Bridge, Point Loma, and the downtown skyline through expansive floor-to-ceiling windows. Designed with both entertaining and privacy in mind, the split-bedroom layout places each suite on opposite sides of the residence. The expansive primary retreat features two walk-in closets, abundant storage, a dedicated vanity area, and a spa-inspired bath where even the walk-in shower enjoys spectacular water views. Originally renovated by Sweig Construction in 2013 and thoughtfully refreshed last year, the residence blends timeless craftsmanship with modern conveniences including automated lighting, power window shades, hardwood flooring, and a beautifully appointed kitchen complete with a built-in wine refrigerator. The open living and dining areas were designed to maximize the dramatic views, creating an exceptional setting for everyday living and entertaining. Harbor Club residents enjoy resort-style amenities including 24-hour concierge, heated pool and spa, fitness center, sauna, clubhouse, and beautifully landscaped grounds, all just steps from the waterfront, Seaport Village, Little Italy, and the Gaslamp Quarter. Private EV charger also included.
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Est. Monthly Payment
$19,153
Location
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Zoned Schools
Elementary
Washington Elementary · grades PK-5 · San Diego Unified
Middle
Roosevelt International Middle · grades 6-8 · San Diego Unified
High
San Diego High · grades 9-12 · San Diego Unified
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$8,365
Comp Average
$6,618
1205 Pacific Hwy
2bd / 2ba · 1,944 sqft · Condo
$2.50M
Est. $6,984/mo
700 Front Street
2bd / 2.5ba · 2,260 sqft · Condo
$2.55M
Est. $5,961/mo
1199 Pacific Hwy
2bd / 2ba · 1,944 sqft · Condo
$2.20M
Est. $7,521/mo
555 Front Street
2bd / 2.5ba · 1,966 sqft · Condo
$1.96M
Est. $6,200/mo
700 Front Street
2bd / 2ba · 1,940 sqft · Condo
$1.80M
Est. $6,426/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
2 leases in this building · $8,048–$8,683
Thin data: only 2 leases behind this number.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$14,792/mo short at 20% down; +$19,210/mo rent closes it.
- Break-even price
- $569,141
- Break-even rent
- $27,575/mo
- Cashflow at 35% down
- −$12,193/mo
- Down payment to break even
- Not reachable
- Rate to break even
- Not reachable
77% under asking
$19,210/mo above the estimate
Negative even all-cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.
Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.
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