3320 Spa St.

3320 Spa St.

A

San Diego, CA 92105

$745,000
NEW — 1d

Beds

3

Baths

2

Sqft

1,044

Year Built

1951

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260017627SD

This property is in San Diego (92105). View neighborhood stats →

About This Property

Tucked away at the end of a quiet cul-de-sac, this charming 3-bedroom, 2-bath home captures everything people love about classic San Diego living. From the moment you arrive, you'll be welcomed by an inviting front yard featuring lush turf, mature shade trees, and an adorable tire swing that adds to the home's storybook charm. Inside, the thoughtfully updated interior offers luxury vinyl plank flooring, fresh paint, and beautifully remodeled bathrooms. The bright kitchen is designed for both everyday living and entertaining with quartz countertops, stainless steel appliances, and a functional layout that opens to the main living spaces. The spacious primary suite is complemented by a versatile sunroom that makes an ideal home office, reading nook, workout space, or additional lounge area. Outside, the fully fenced yard provides privacy and room to relax, play, or entertain, while the low-maintenance turf backyard makes outdoor living easy year-round. Perfectly situated in a peaceful neighborhood just minutes from downtown San Diego, major freeways, shopping, dining, and local parks, this home offers the best of both worlds--quiet suburban living with unbeatable convenience. Full of character, warmth, and modern updates, this is the quintessential San Diego home you've been waiting for.

Mortgage Calculator

Est. Monthly Payment

$4,729

Principal & Interest$3,767
Property Tax$745
Insurance$217
%($149,000)
%

Investment Score

52B
Est. Monthly Rent
$3,877
Monthly Cashflow

Rent − PITIA

$-852
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,365

Mortgage (P+I)
$3,767
Cap Rate
2.26%
Cash-on-Cash
-19.04%
DSCR

Need ≥ 1.25 for DSCR loan

0.82
Break-even Rent
$6,948

NOI (Annual)
$16,829
Price-to-Rent

Lower = better for investors

16.0

* 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.

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