3580 Union St.
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3580 Union St.

Dbottom 20%

San Diego, CA 92103

$2,145,000
NEW — 0d
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

119 licensed short-term rentals within ½ mile (80 whole home), from the cities' license and permit lists of Nov 6, 2026.

Pass at asking: -$11,801/mo full cashflow at 20% down, 7.43% rate.

Works at $608,571 (72% under asking), or at all cash.

Rent $6,070/mo from 8 leases of 3-bed houses within 0.5 mi ($6,404–$7,173).

Beds

3

Baths

2.5

Sqft

2,706

Year Built

1992

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026420SD

This property is in San Diego (92103). View neighborhood stats →

About This Property

Panoramic views, exceptional living, paid-for solar system, and effortless entertaining in Middletown South Mission Hills! An exceptional residence where breathtaking views, inviting spaces, and indoor-outdoor living blend together beautifully! Perched atop San Diego’s International Airport and Downtown area, this stunning 3-bedroom + optional bonus room, 2.5-bath home offers 2,706 square feet of thoughtfully designed living space, showcasing spectacular sightlines of San Diego Harbor, the bay, Coronado, Point Loma, and the sparkling Pacific Ocean. Designed for both comfortable everyday living and unforgettable entertaining, this estate welcomes you with soaring vaulted wood-beamed ceilings, beautiful wood floors, elegant travertine flooring, expansive windows, Murphy Bed option in second floor bedroom/ office, and an abundance of natural light throughout! Separate living and family rooms, a dedicated dining area, and a charming breakfast nook provide wonderful spaces to gather and unwind. The beautifully updated kitchen features quartz countertops, custom cabinetry, a gas range, and stainless-steel appliances. The impressive primary retreat is a destination of its own, featuring a cozy fireplace, private view deck, and a versatile bonus room ideal for a home office, gym, nursery, or private sitting area. A truly grand walk-in closet at the primary suite, complete with custom built-ins adds an extra touch of luxury. The luxurious, spa-inspired bathroom offers dual vanities, a generous walk-in shower, an oversized soaking tub, and beautiful travertine and granite finishes. The outdoor spaces are equally inviting, with multiple expansive decks accessible from the living room, family room, and primary suite, creating the perfect backdrop for morning coffee, sunset gatherings, and entertaining against San Diego’s incredible coastal scenery! Enjoy the BBQ area, landscaped gardens, and an abundance of mature fruit trees, including grapefruit, Asian pear, plum, and delicious pomegranate. Additional highlights include a new HVAC system and owned solar panels to help keep electricity costs low, a dedicated laundry room, and an attached two-car garage. Built in 1992, this remarkable multi-level home offers the perfect blend of character, comfort, views, and functionality. All this in an unbeatable location, just moments from the vibrant restaurants and shops of Mission Hills, Downtown San Diego, major freeways, and the Airport. Welcome home to 3580 Union Street!

Mortgage Calculator

Est. Monthly Payment

$14,687

Principal & Interest$11,916
Property Tax$2,145
Insurance$626
%($429,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Grant K-8 · grades K-8 · San Diego Unified

  • Middle

    Correia Middle · grades 7-8 · San Diego Unified

    or Roosevelt International Middle · grades 6-8 · San Diego Unified

    Choice area: the district lets families here pick either school.

  • High

    San Diego High · grades 9-12 · San Diego Unified

    or Point Loma High · grades 9-12 · San Diego Unified

    Choice area: the district lets families here pick either school.

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

2D
Est. Monthly Rent
$6,070

8 leases of 3-bed houses within 0.5 mi · $6,404–$7,173

Blended 50/50 with the zip's market median ($5,248)

Monthly Cashflow

Rent − PITIA

-$8,617
Full Cashflow

Incl. vacancy, PM, maint, capex

-$11,801

What would make this work?

$11,801/mo short at 20% down; 100% down or +$15,326/mo rent closes it.

Break-even price

72% under asking

$608,571
Break-even rent

$15,326/mo above the estimate

$21,396/mo
Cashflow at 35% down
−$9,567/mo
Down payment to break even

$2,145,000 cash

100%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$11,916
Cap Rate
0.23%
Cash-on-Cash
-33.01%
DSCR

Need ≥ 1.25 for DSCR loan

0.41

NOI (Annual)
$5,027
Price-to-Rent

Lower = better for investors

29.4

* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Open Full Calculator
DCashflow−$11,801/mo