2020 Willow Street
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2020 Willow Street

C

San Diego, CA 92106

$2,250,000
NEW — 0d

Soft Appraisal Value: $2,186,600 · 2.9% above estimate

Beds

4

Baths

4.5

Sqft

2,626

Year Built

1956

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2606247

This property is in San Diego (92106). View neighborhood stats →

Virtual Tour

About This Property

Set in a desirable Point Loma hilltop location with cool coastal breezes, bay views, and sunset outlooks, this beautifully updated 4 bedroom, 4.5 bath home offers a rare combination of flexible living, generous outdoor space, and modern amenities. Designed for comfort and versatility, the home features two primary suites: one on the main level with direct access to the patio, and a second upstairs with a lanai and bay views. Two additional upstairs bedrooms provide excellent space for family, guests, office use, or extended stays. The main level is bright and open, with warm wood flooring, abundant natural light. The remodeled kitchen is a standout, featuring a large center island, soapstone counters, a Wolf 6-burner gas range, and a wet bar that enhances the home’s entertaining appeal. The open layout creates a comfortable connection between everyday living and gathering spaces. Upstairs, an open loft with high ceilings adds a secondary living area and opens to two separate balconies capturing bay views, while the west-facing balcony is ideal for enjoying colorful sunset skies. The patio is designed for year-round enjoyment, with space for dining, lounging, and entertaining around the saltwater pool and spa [built 2020]. The pool is heated and also benefits from passive solar pool heating. Additional upgrades include: 24 owned solar panels (no lease/loan), a tankless water heater, dual-zone heating and air conditioning, a whole-house fan, Tesla charger, and a second NEMA 14-50 charger in the garage. The interior was just repainted. Low-maintenance front landscaping on drip irrigation completes the home’s attractive curb appeal. With bay views, sunset balconies, flexible bedroom layout, energy-efficient features, and a private pool and spa, this Point Loma home offers the indoor-outdoor coastal lifestyle.

Mortgage Calculator

Est. Monthly Payment

$14,283

Principal & Interest$11,377
Property Tax$2,250
Insurance$656
%($450,000)
%

Location

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Investment Score

7D
Est. Monthly Rent
$7,961
Monthly Cashflow

Rent − PITIA

$-6,322
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,028

Mortgage (P+I)
$11,377
Cap Rate
0.72%
Cash-on-Cash
-26.74%
DSCR

Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$20,985

NOI (Annual)
$16,188
Price-to-Rent

Lower = better for investors

23.6

* 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.

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