4064 Haines Street
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4064 Haines Street

Ctop 80%

San Diego, CA 92109

$2,750,000
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.

351 licensed short-term rentals within ½ mile (297 whole home), from the cities' license and permit lists of Nov 14, 2026.

Pass at asking: -$13,753/mo full cashflow at 20% down, 7.36% rate.

Works at $950,355 (65% under asking), or at 93% down.

Rent $9,432/mo from 8 leases of 3–5 bed houses within 1 mi, same school area ($7,715–$10,442).

Beds

4

Baths

4.5

Sqft

2,300

Year Built

2026

Days on Market

45

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2609057

This property is in San Diego (92109). View neighborhood stats →

Virtual Tour

About This Property

BRAND-NEW CONSTRUCTION IN THE HEART OF CROWN POINT WITH PANORAMIC BAY & OCEAN VIEWS PLUS DETACHED ADU!!! Rarely does a brand-new home of this caliber become available in the heart of Crown Point. Designed and built from the ground up, this distinctive three-story residence is surrounded by the quintessential Pacific Beach/Crown Point lifestyle—just two blocks to Mission Bay and within easy walking distance of the bay, beach, restaurants, coffee shops, restaurants, and everything that makes PB one of San Diego’s most sought-after coastal neighborhoods. Anyone who knows Crown Point understands the value of this location. The main residence offers just under 1,900 square feet with 3 bedrooms and 3.5 baths, all three en-suite bedrooms. Soaring ceilings, abundant natural light, and an efficient three-story design create a sense of volume that feels substantially larger than the square footage suggests. Modern finishes and thoughtful details are found throughout, while the upper levels open to panoramic views of Mission Bay and the Pacific Ocean. The property also includes a detached two-car garage with alley access, topped by a fully self-contained 1-bedroom, 1-bath ADU. Completely independent from the main home, the ADU features its own separate address, meters, entrance, HVAC system, and private view balcony; an ideal space for guests, extended family, a private office, or rental income. This project is truly one of a kind. Bringing it to life required years of planning and approvals through the City of San Diego and Coastal Commission, making a property with this combination of new construction, design, views, location, and separate living quarters extraordinarily difficult to replicate. This is a rare opportunity to own brand-new coastal construction in the very heart of Crown Point—where the bay, beach, and unmistakable Pacific Beach lifestyle are all right outside your door.

Mortgage Calculator

Est. Monthly Payment

$18,724

Principal & Interest$15,172
Property Tax$2,750
Insurance$802
%($550,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Crown Point Elementary · grades PK-5 · San Diego Unified

  • Middle

    Pacific Beach Middle · grades 6-8 · San Diego Unified

  • High

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

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

8C
Est. Monthly Rent
$9,432

8 leases of 3–5 bed houses within 1 mi, same school area · $7,715–$10,442

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$9,292
Full Cashflow

Incl. vacancy, PM, maint, capex

-$13,753

What would make this work?

$13,753/mo short at 20% down; 93% down or +$17,862/mo rent closes it.

Break-even price

65% under asking

$950,355
Break-even rent

$17,862/mo above the estimate

$27,294/mo
Cashflow at 35% down
−$10,909/mo
Down payment to break even

$2,557,500 cash

93%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$15,172
Cap Rate
0.82%
Cash-on-Cash
-30.01%
DSCR

Need ≥ 1.25 for DSCR loan

0.50

NOI (Annual)
$22,687
Price-to-Rent

Lower = better for investors

24.3

* Modelled at 20% down, 7.36% 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.

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CCashflow−$13,753/mo