3038 Udall St
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3038 Udall St

C

San Diego, CA 92106

$1,950,000

Soft Appraisal Value: $2,235,800 · 12.8% below estimate

Beds

3

Baths

4

Sqft

2,763

Year Built

1985

Days on Market

233

Property Type

Single Family

HOA/mo

N/A

MLS ID

250044213SD

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

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About This Property

Tucked away in the heart of Point Loma, 3038 Udall Street is a charming Spanish-style retreat offering privacy, versatility, and panoramic city views. This two-story home features 3 bedrooms plus a flexible bonus room, ideal for an office, studio, or guest space. The entry level welcomes you with a bright living area and kitchen that open to expansive decks overlooking the city—perfect for entertaining or quiet evenings outdoors. Also on this level are the primary bedroom and bath, a secondary bedroom, and a guest bath, all framed by picture windows capturing the surrounding trees and views. Downstairs, enjoy wrap-around decks with stunning city vistas, a private bonus room, third bedroom, bathroom, and kitchenette with a separate entrance—ideal for a lock-off studio or ADU for guests or rental income. Perched on a peaceful hillside yet just a short stroll to Liberty Station, this home offers quick access to downtown San Diego, the airport, harbor, beaches, yacht clubs, and award-winning schools. Whether as a primary residence, first home, or lucrative short-term rental, this property embodies San Diego living—sunny, scenic, and centrally located. Listing includes three lots with ample potential to expand or build.

Mortgage Calculator

Est. Monthly Payment

$12,379

Principal & Interest$9,860
Property Tax$1,950
Insurance$569
%($390,000)
%

Location

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Investment Score

5D
Est. Monthly Rent
$6,397
Monthly Cashflow

Rent − PITIA

$-5,982
Full Cashflow

Incl. vacancy, PM, maint, capex

$-9,079

Mortgage (P+I)
$9,860
Cap Rate
0.48%
Cash-on-Cash
-27.93%
DSCR

Need ≥ 1.25 for DSCR loan

0.52
Break-even Rent
$18,187

NOI (Annual)
$9,380
Price-to-Rent

Lower = better for investors

25.4

* 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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