3296 Talbot
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3296 Talbot

D

San Diego, CA 92106

$1,850,000
NEW — 1d

Beds

5

Baths

3

Sqft

1,716

Year Built

1944

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260010366SD

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

About This Property

WELCOME HOME TO POINT LOMA’S FINEST DUPLEX! This fully remodeled, turnkey home and ADU showcases modern upgrades throughout, including NEW luxury vinyl flooring, NEW cabinetry, NEW countertops, NEW hardware, NEW plumbing, NEW appliances, fresh interior paint, and updated lighting—offering a seamless blend of style, comfort, and coastal charm. Every detail has been thoughtfully curated to create light, bright, and inviting living spaces. The front residence features a charming 2-bedroom, 1-bath layout complete with a private front yard and in-unit washer and dryer, perfect for relaxed everyday living. Tucked away in the rear, the second unit offers a spacious 3-bedroom, 2-bath layout with a large backyard highlighted by a beautiful wood deck—ideal for summer BBQs and entertaining—while enjoying peek-a-boo views of San Diego Bay. Ideally located just steps from the San Diego Bay, and minutes to top restaurants, water sports, scenic walking paths, and all that Point Loma has to offer, this property delivers the ultimate coastal lifestyle. Whether you’re looking for a savvy investment, multi-generational living, or the opportunity to offset your mortgage with rental income, this duplex offers exceptional versatility and long-term value. Stylish, flexible, and income-producing—this is a rare opportunity you won’t want to miss! DUPLEX CONVERSION & DESCRIPTION BELOW Main Home - 3296 Talbot St Standard ADU - 3294 Talbot St Originally a 5-bedroom home, this property has been thoughtfully renovated into two units, offering flexibility and functionality: Front Unit: 2-bedroom, 1-bath, approx. 750 sq ft Rear Unit: 3-bedroom, 2-bath, approx. 1,200 sq ft Washer & Dryer in both units

Mortgage Calculator

Est. Monthly Payment

$11,744

Principal & Interest$9,355
Property Tax$1,850
Insurance$540
%($370,000)
%

Location

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Investment Score

2D
Est. Monthly Rent
$5,560
Monthly Cashflow

Rent − PITIA

$-6,185
Full Cashflow

Incl. vacancy, PM, maint, capex

$-9,005

Mortgage (P+I)
$9,355
Cap Rate
0.23%
Cash-on-Cash
-29.21%
DSCR

Need ≥ 1.25 for DSCR loan

0.47
Break-even Rent
$17,255

NOI (Annual)
$4,194
Price-to-Rent

Lower = better for investors

27.7

* 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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