3624 White Sage Lane
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3624 White Sage Lane

C

San Diego, CA 92105

$1,050,000
NEW — 1d

Soft Appraisal Value: $1,027,700 · 2.2% above estimate

Beds

3

Baths

2

Sqft

1,629

Year Built

1980

Days on Market

1

Property Type

Townhouse

HOA/mo

$270

MLS ID

PTP2604432

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

Virtual Tour

About This Property

Welcome to 3624 White Sage Ln, an exceptionally rare offering in the highly sought-after Bay Ridge community. Situated on the largest lot in the entire development, this property presents a truly unique opportunity with the potential to add a detached ADU, creating the possibility for a 3-unit income-producing compound in the heart of central San Diego (concept plans available). HOA approval allows for ADU construction potential rarely found within attached-home communities, making this an outstanding opportunity for investors, multigenerational living, or buyers seeking long-term upside. Featuring one of the most desirable floor plans in Bay Ridge with a loft layout, the home combines flexibility, privacy, and development potential in a way that is exceedingly difficult to find. Tucked into a quiet and secluded section of the neighborhood, the expansive backyard offers an incredible amount of usable outdoor space along with the rare ability to further maximize the property’s potential. Inside, the residence has been thoughtfully updated with a remodeled kitchen, upgraded finishes throughout, and a functional open layout designed for comfortable everyday living. The loft configuration adds architectural character and versatility, while the indoor-outdoor flow opens seamlessly to the oversized patio and grounds. Properties offering this combination of lot size, ADU potential, location, and existing upgrades are extraordinarily rare, especially within a newer-built community in central San Diego. Whether you're searching for a primary residence with future flexibility or a unique value-add investment opportunity, 3624 White Sage Ln stands in a category of its own. Virtual renderings included for illustrative purposes only. Buyer to verify all ADU potential, approvals, permits, HOA requirements, and development feasibility.

Mortgage Calculator

Est. Monthly Payment

$6,936

Principal & Interest$5,309
Property Tax$1,050
Insurance$306
HOA$270
%($210,000)
%

Location

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Investment Score

19D
Est. Monthly Rent
$4,551
Monthly Cashflow

Rent − PITIA

$-2,384
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,306

Mortgage (P+I)
$5,309
Cap Rate
1.15%
Cash-on-Cash
-24.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.66
Break-even Rent
$10,143

NOI (Annual)
$12,039
Price-to-Rent

Lower = better for investors

19.2

* 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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