3156 Harbor Ridge Ln
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3156 Harbor Ridge Ln

C

San Diego, CA 92103

$1,059,900
NEW — 2d

Beds

3

Baths

2

Sqft

1,593

Year Built

2003

Days on Market

2

Property Type

Condo

HOA/mo

$285

MLS ID

260016463SD

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

About This Property

Experience modern urban living at its finest in the highly desirable community of Terracina, perfectly nestled on a quiet public cul-de-sac ridge where Middletown meets South Mission Hills. This beautifully designed townhome greets you with an inviting open floor plan and soaring 9-foot+ ceilings that flood the main living space with an abundance of natural light. The spacious layout transitions effortlessly from the bright kitchen straight into the dining and family areas, making it an absolute dream for both daily living and effortless entertaining. Step out onto your private balcony positioned along the scenic bluff rim to take in the crisp coastal air and dynamic views of the iconic San Diego Bay. Location is everything here; the property sits in a prime urban pocket that places you just moments away from the world-class dining, weekend farmers markets, and vibrant nightlife hubs of Little Italy, Hillcrest, and Downtown San Diego. This premium, turnkey lifestyle perfectly balances neighborhood tranquility with unmatched city connectivity, offering a rare opportunity to own a sophisticated residence in one of the city's most central and highly connected neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$7,013

Principal & Interest$5,359
Property Tax$1,060
Insurance$309
HOA$285
%($211,980)
%

Location

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Investment Score

4D
Est. Monthly Rent
$3,710
Monthly Cashflow

Rent − PITIA

$-3,303
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,040

Mortgage (P+I)
$5,359
Cap Rate
0.36%
Cash-on-Cash
-28.53%
DSCR

Need ≥ 1.25 for DSCR loan

0.53
Break-even Rent
$10,255

NOI (Annual)
$3,835
Price-to-Rent

Lower = better for investors

23.8

* 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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