3581 44th St
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3581 44th St

A

San Diego, CA 92105

$675,000
NEW — 0d

Soft Appraisal Value: $673,400 · 0.2% above estimate

Beds

3

Baths

1

Sqft

964

Year Built

1928

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260015037SD

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

About This Property

Thoughtfully remodeled and meticulously maintained, 3581 44th Street combines timeless Craftsman character, modern upgrades, and future potential in a convenient central San Diego location. Situated on a generous 0.11-acre lot, this home was extensively remodeled by the current owners for their own enjoyment, with careful attention to quality, comfort, and livability throughout (NOT a flip) Major improvements include owned paid off solar operating under the highly desirable NEM 2.0 program, a newer roof, updated plumbing throughout the home, and a new sewer line, providing valuable upgrades and peace of mind for years to come. A charming front porch and spacious front yard with raised garden bed create an inviting first impression and provide the perfect setting for morning coffee, gardening, or relaxing outdoors. Inside, the home's well-designed floor plan offers a seamless flow from the living room to the dining area and into the expansive kitchen, creating an ideal layout for both everyday living and entertaining. The oversized kitchen is a standout feature, offering abundant cabinetry, generous counter space, and ample storage rarely found in homes of this size. The home features three bedrooms plus an office space, providing flexibility for remote work. Additional storage can be found throughout the home, including excellent closet space and a pull-down attic with additional storage capacity. Modern comforts include forced air heating and air conditioning, ensuring year-round comfort. The home offers exceptional outdoor space and future possibilities. A large three-car driveway provides ample parking, while a substantial detached garage, and storage shed offers room for tools, equipment, hobbies, or workshop space. With alley access at the rear of the property and desirable R-4 zoning, the lot presents excellent future development potential, including opportunities for an ADU, multigenerational living, guest accommodations, or additional income-producing possibilities. A new fence installed one year ago enhances both privacy and functionality. Conveniently located near North Park, residents enjoy easy access to some of San Diego's most popular restaurants, coffee shops, breweries, and entertainment destinations. Outdoor enthusiasts will appreciate the proximity to Chollas Lake Park, local canyon trails, and outdoor recreation throughout central San Diego. With quick access to major freeways, commuting throughout San Diego County is both simple and convenient. Offering a rare combination of thoughtful upgrades, energy efficiency, storage, usable outdoor space, and future ADU potential, 3581 44th Street is a home designed to be enjoyed today while offering flexibility and income.

Mortgage Calculator

Est. Monthly Payment

$4,285

Principal & Interest$3,413
Property Tax$675
Insurance$197
%($135,000)
%

Location

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Investment Score

55B
Est. Monthly Rent
$3,516
Monthly Cashflow

Rent − PITIA

$-769
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,140

Mortgage (P+I)
$3,413
Cap Rate
2.26%
Cash-on-Cash
-19.03%
DSCR

Need ≥ 1.25 for DSCR loan

0.82
Break-even Rent
$6,296

NOI (Annual)
$15,274
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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