3728 Wilcox St

3728 Wilcox St

D

San Diego, CA 92106

$3,250,000
NEW — 0d on market

Beds

5

Baths

4

Sqft

3,679

Year Built

2018

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260007460SD

View on MLS

Description

Built in 2018 by the award-winning Tourmaline Properties, this classic 5BR/4BA Craftsman is located on a quiet street in the highly sought-after Wooded Area of Point Loma. Offering 3,679 sq ft, the home blends timeless design with modern functionality and seamless indoor-outdoor living. The open-concept floor plan is filled with natural light and designed for both everyday living and entertaining. High-end finishes include natural hickory hardwood floors, Viking appliances, custom built-ins, generous storage, and a dedicated laundry room. The spacious primary suite serves as a private retreat with sitting area, oversized walk-in closet and spa inspired bathroom. An expansive covered deck overlooks a large, private backyard—perfect for entertaining, children to play, and year-round enjoyment. The current owners say, “The backyard is a hidden gem—people are always surprised by how big it is. The functionality of the house and location have been the highlight of raising our family here. We immediately fell in love with the open concept and envisioned holidays—and it’s delivered. Every Halloween, it feels like the whole neighborhood shows up. Point Loma feels like a small town next to a big city—our kids bike safely, and a coffee run often turns into catching up with friends.”” Perfectly positioned for coastal living, the home is just minutes from Sunset Cliffs, top surf breaks, and Point Loma’s boating and fishing lifestyle with multiple yacht clubs within a mile. Enjoy quick access to downtown San Diego, San Diego International Airport, and iconic destinations.

Mortgage Calculator

Est. Monthly Payment

$20,632

Principal & Interest$16,434
Property Tax$3,250
Insurance$948
%($650,000)
%

Investment Score

0D
Est. Monthly Rent
$7,466
Monthly Cashflow

Rent − PITIA

$-13,166
Full Cashflow

Incl. vacancy, PM, maint, capex

$-17,591

Mortgage (P+I)
$16,434
Cap Rate
-0.43%
Cash-on-Cash
-32.48%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.36
Break-even Rent
$30,312

NOI (Annual)
$-13,890
Price-to-Rent

Lower = better for investors

36.3

* 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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