3320 Hill
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3320 Hill

C

San Diego, CA 92106

$2,799,000
NEW — 5d

Soft Appraisal Value: $2,752,400 · 1.7% above estimate

Beds

3

Baths

4

Sqft

3,486

Year Built

1995

Days on Market

5

Property Type

Single Family

HOA/mo

N/A

MLS ID

OC25256559

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

About This Property

This beautifully appointed home sits in one of Point Loma’s most sought-after neighborhoods, offering timeless style, an ideal layout, and sweeping bay views. The bright, open kitchen features custom lighting, a farmhouse sink, and abundant cabinetry, flowing seamlessly into the main living spaces for effortless entertaining. Upstairs, a spacious top-floor retreat captures panoramic bay vistas and opens to a large covered rooftop deck—perfect for relaxing sunsets or gatherings under the stars. The private backyard provides a serene escape with mature landscaping and plenty of room to unwind. Additional highlights include owned solar, dual A/C units, and enduring Point Loma charm throughout. The property is a mild fixer and has potential for upside with a little TLC.

Mortgage Calculator

Est. Monthly Payment

$17,769

Principal & Interest$14,153
Property Tax$2,799
Insurance$816
%($559,800)
%

Location

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Investment Score

1D
Est. Monthly Rent
$7,963
Monthly Cashflow

Rent − PITIA

$-9,805
Full Cashflow

Incl. vacancy, PM, maint, capex

$-13,969

Mortgage (P+I)
$14,153
Cap Rate
0.08%
Cash-on-Cash
-29.94%
DSCR

Need ≥ 1.25 for DSCR loan

0.45
Break-even Rent
$26,105

NOI (Annual)
$2,208
Price-to-Rent

Lower = better for investors

29.3

* 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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