3435 Dickens Street

3435 Dickens Street

D

San Diego, CA 92106

$2,750,000

Soft Appraisal Value: $2,620,100 · 5.0% above estimate

Beds

5

Baths

4

Sqft

3,162

Year Built

2007

Days on Market

9

Property Type

Single Family

HOA/mo

N/A

MLS ID

260006359SD

View on MLS

Description

Perched above the harbor in one of Point Loma’s most coveted pockets, this residence captures the essence of elevated coastal living with sweeping, unobstructed views spanning Shelter Island, Downtown San Diego, Coronado, and the Bay. Recently refreshed and thoughtfully reimagined, the home blends timeless architecture with a clean, modern aesthetic. Newly resurfaced and re-stained flooring, fresh interior paint, and completely redesigned landscaping with lush turf in both the front and backyard create a crisp, move-in-ready environment that feels both refined and effortless. Designed for both everyday living and elevated entertaining, the home offers expansive indoor-outdoor flow, multiple view decks including a rooftop with interior access, and a private setting on a quiet street with minimal through traffic. The flat lot, long driveway, and two-car garage provide both functionality and convenience. At the heart of the home, the chef’s kitchen is outfitted with high-end appliances, custom stonework, and generous storage, seamlessly connecting to the main living areas. Additional features include owned solar with backup battery, dual HVAC systems, EV charger in the garage, water softening system, and quality construction by a respected local builder. Located just minutes from Liberty Station, the marina, beaches, dining, and San Diego’s most vibrant destinations, this is a rare opportunity to experience Point Loma living with both privacy and proximity, where sunsets and fireworks over the bay become part of everyday life.

Mortgage Calculator

Est. Monthly Payment

$17,458

Principal & Interest$13,905
Property Tax$2,750
Insurance$802
%($550,000)
%

Investment Score

0D
Est. Monthly Rent
$7,273
Monthly Cashflow

Rent − PITI − HOA

$-10,184
Full Cashflow

Incl. vacancy, PM, maint, capex

$-14,149

Mortgage (P+I)
$13,905
Cap Rate
-0.11%
Cash-on-Cash
-30.87%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.42
Break-even Rent
$25,648

NOI (Annual)
$-2,921
Price-to-Rent

Lower = better for investors

31.5

* 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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