3550 Ruffin Rd
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3550 Ruffin Rd #Unit 182

A

San Diego, CA 92123

$484,000
NEW — 1d

Beds

2

Baths

1.5

Sqft

842

Year Built

1973

Days on Market

1

Property Type

Condo

HOA/mo

$375.99

MLS ID

260013911SD

This property is in San Diego (92123). View neighborhood stats →

About This Property

Welcome to 3550 Ruffin Road Unit 182, a thoughtfully updated 2-bedroom, 1.5-bath condo in the Sunburst community of Serra Mesa. Offering 842 sq. ft., this bright two-level residence combines a clean modern interior with one of San Diego’s most convenient central locations. The main level features wide-plank flooring, fresh paint, recessed lighting, an open living area, a dining area, and a crisp white kitchen with new cabinets, sink, counters, tile, refrigerator, dishwasher, and microwave, plus a stove that is only a few years old. A newly added peninsula/breakfast bar creates a natural gathering point, while the first-floor half bath and oversized storage closet add everyday convenience and functionality. A private fenced patio extends the living space outdoors and offers a comfortable enclosed area for pets, morning coffee, or everyday relaxation. Upstairs, two well-sized bedrooms feature new ceiling lights and separation from the main living space. Comfort is enhanced by a three-zone mini-split heating and A/C system, with one unit serving the main level and individual units in each bedroom for personalized temperature control. The bathrooms have been refreshed with new cabinets and fixtures, including a new tub and shower. Enjoy assigned parking, community pool and spa access and a highly connected Serra Mesa location close to Mission Valley, Kearny Mesa, shopping, dining, parks, and major freeway corridors.

Mortgage Calculator

Est. Monthly Payment

$3,449

Principal & Interest$2,447
Property Tax$484
Insurance$141
HOA$376
%($96,800)
%

Location

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Investment Score

51B
Est. Monthly Rent
$2,722
Monthly Cashflow

Rent − PITIA

$-726
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,756

Mortgage (P+I)
$2,447
Cap Rate
1.71%
Cash-on-Cash
-21.77%
DSCR

Need ≥ 1.25 for DSCR loan

0.79
Break-even Rent
$5,002

NOI (Annual)
$8,299
Price-to-Rent

Lower = better for investors

14.8

* 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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