3612 Polk Avenue San Diego

3612 Polk Avenue San Diego

D

, CA 92104

$849,000

Beds

3

Baths

1

Sqft

900

Year Built

1926

Days on Market

8

Property Type

Single Family

HOA/mo

N/A

MLS ID

260004236SD

Description

Perfectly situated just steps from University Avenue, this beautifully remodeled 1926 home captures the spirit of North Park living—where timeless architecture meets modern design. Set privately off the street, this residence offers the rare combination of historic charm, thoughtful updates, and a peaceful sense of retreat right in the heart of one of San Diego’s most vibrant neighborhoods. From the moment you arrive, the home’s curb appeal shines through with its freshly updated exterior, classic lines, and a welcoming front porch that hints at the character within. Step inside and you’re greeted by the warmth of original wood floors and a light-filled, efficient layout that feels both cozy and refined. Every space has been designer-finished with attention to detail—from the beautifully preserved archways that define the main living areas to the stylish fixtures and curated finishes that tie the home together seamlessly. The living areas flow effortlessly, offering inviting spaces for relaxing or entertaining, while the remodeled kitchen features modern cabinetry, quality appliances, and timeless materials that complement the home’s vintage roots. Outside, the backyard is an unexpected sanctuary—complete with a sparkling plunge pool, thoughtfully designed hardscape, and multiple areas to lounge or entertain. Whether you’re cooling off on a warm afternoon or enjoying an evening under the lights, this private outdoor retreat perfectly captures Southern California’s indoor-outdoor lifestyle.

Mortgage Calculator

Est. Monthly Payment

$5,390

Principal & Interest$4,293
Property Tax$849
Insurance$248
%($169,800)
%

Investment Score

5D
Est. Monthly Rent

Market Rent Estimate

$3,123
Monthly Cashflow

Rent − PITI − HOA

$-2,267
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,693

Mortgage (P+I)
$4,293
Cap Rate
0.85%
Cash-on-Cash
-16.02%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.73
Break-even Rent
$5,390

NOI (Annual)
$7,203
Price-to-Rent

Lower = better for investors

22.7

* Defaults: 20% down, 6.5% rate, 30yr.

Get Expert AnalysisOpen Full Calculator