307 Upas St

307 Upas St

D

San Diego, CA 92103

$1,510,000
NEW — 0d on market

Beds

2

Baths

2.5

Sqft

1,701

Year Built

2016

Days on Market

0

Property Type

Townhouse

HOA/mo

$322

MLS ID

260005799SD

View on MLS

Description

Modern luxury meets effortless indoor-outdoor living in this detached row home in the heart of Bankers Hill, just one block from Balboa Park. Offering nearly 600 sq ft of private outdoor living space, including a rooftop deck with views of the bay, this home captures refreshing ocean breezes through dramatic floor-to-ceiling doors that seamlessly connect the indoors and out. Inside, the home showcases 10-foot ceilings and newly constructed modern finishes throughout, creating a bright, open feel rarely found in the neighborhood. The designer kitchen features quartz countertops, porcelain tile, and high-end finishes, blending style and functionality for everyday living and entertaining. The primary suite is a true retreat, designed for indoor-outdoor living and complemented by a spa-inspired bathroom with a soaking tub and oversized walk-in shower. Throughout the home, the seller spared no expense with upgrades including automatic shades, energy-efficient windows and doors, smart locks, and a smart thermostat. Unlike many homes of similar size in Bankers Hill that come with sky-high HOA fees, this property offers the freedom of detached living with a low HOA, all while being outside the flight path. Additional conveniences include a 2-car garage plus plentiful non-metered street parking right out front. A rare opportunity to enjoy modern construction, private outdoor space, and one of San Diego’s most walkable neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$9,908

Principal & Interest$7,635
Property Tax$1,510
Insurance$440
HOA$322
%($302,000)
%

Investment Score

1D
Est. Monthly Rent
$5,030
Monthly Cashflow

Rent − PITI − HOA

$-4,877
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,293

Mortgage (P+I)
$7,635
Cap Rate
0.27%
Cash-on-Cash
-19.38%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.51
Break-even Rent
$9,907

NOI (Annual)
$4,113
Price-to-Rent

Lower = better for investors

25.0

* 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.

Get Expert AnalysisOpen Full Calculator