3009 Union St
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3009 Union St #5

D

San Diego, CA 92103

$899,000
NEW — 0d on market

Soft Appraisal Value: $885,400 · 1.5% above estimate

Beds

2

Baths

2.5

Sqft

1,196

Year Built

1990

Days on Market

0

Property Type

Townhouse

HOA/mo

$525

MLS ID

260008195SD

This property is in San Diego (92103). View neighborhood stats →

View on MLS

About This Property

Rare opportunity to own a truly special residence in the heart of Bankers Hill/Middletown. Tucked away on a quiet dead-end street, this upgraded townhome offers a tranquil setting surrounded by lush green hillsides—yet remains incredibly walkable to Little Italy, Balboa Park, and all of Downtown’s best dining, coffee, and culture. Enjoy captivating views of the San Diego Bay from both the living room and primary suite, where you can unwind while watching planes gracefully take off and land—an iconic San Diego backdrop that never gets old. The thoughtfully designed layout features two bedrooms upstairs, each with its own full bathroom (dual primary suites), plus a powder room on the main level. Additional highlights include an attached two-car side-by-side garage with in-unit laundry, abundant natural light throughout, and a well-maintained 18-unit community. Offering a seamless blend of serenity, views, and urban accessibility, this is a rare opportunity to experience an elevated lifestyle in one of San Diego’s most desirable neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$6,232

Principal & Interest$4,546
Property Tax$899
Insurance$262
HOA$525
%($179,800)
%

Location

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Investment Score

1D
Est. Monthly Rent
$3,642
Monthly Cashflow

Rent − PITIA

$-2,590
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,177

Mortgage (P+I)
$4,546
Cap Rate
0.49%
Cash-on-Cash
-27.88%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$9,066

NOI (Annual)
$4,430
Price-to-Rent

Lower = better for investors

20.6

* 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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