2318 Plum St
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2318 Plum St

D

San Diego, CA 92106

$2,550,000

Soft Appraisal Value: $2,453,000 · 4.0% above estimate

Beds

4

Baths

4.5

Sqft

2,626

Year Built

1929

Days on Market

63

Property Type

Single Family

HOA/mo

N/A

MLS ID

260003525SD

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

Virtual Tour

About This Property

This breathtaking Loma Portal residence seamlessly blends understated minimalist elegance with timeless Spanish character. Set on an expansive 7,000 sq. ft. lot and just moments from Liberty Station and top-rated schools, the home offers an exceptional coastal lifestyle. A sun-drenched formal living room is framed by a dramatic arched picture window set against a tiled accent wall, while rich wood flooring and exposed beam ceilings create warmth and architectural distinction. A striking see-through fireplace anchors the space and transitions seamlessly into the beautifully updated chef’s kitchen, appointed with stainless steel appliances, an impressive eight-burner gas range, custom cabinetry, and a classic designer backsplash, crafted for both elevated entertaining and everyday living. Designed for comfort and flexibility, the home features three en-suite bedrooms, including a serene primary retreat on the main level complete with its own fireplace, custom walk-in closet, spa-inspired bath with tiled walk-in shower, and sliding doors opening to a peacefully landscaped private yard. Upstairs, an additional suite and a secondary bedroom with a generous view deck capture sweeping vistas of the Coronado Bridge, ocean glimpses, and city skyline. A gated courtyard enhances the indoor-outdoor lifestyle with a built-in pizza oven and fire pit, while the attached casita, featuring its own entrance, living room, kitchenette, bedroom, and full bath offers ideal accommodations for guests, office, rental or multigenerational living. Additional highlights include central air conditioning and heating, and an extended driveway accommodating up to four vehicles plus an attached 2-car garage with storage, all just minutes from Sunset Cliffs, beaches, dining, and freeway access. Don't miss the opportunity to experience the unparalleled blend of style, charm, and convenience that this home offers.

Mortgage Calculator

Est. Monthly Payment

$16,188

Principal & Interest$12,894
Property Tax$2,550
Insurance$744
%($510,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,195
Monthly Cashflow

Rent − PITIA

$-8,993
Full Cashflow

Incl. vacancy, PM, maint, capex

$-12,773

Mortgage (P+I)
$12,894
Cap Rate
0.06%
Cash-on-Cash
-30.05%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.44
Break-even Rent
$23,783

NOI (Annual)
$1,454
Price-to-Rent

Lower = better for investors

29.5

* 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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