
4064 Haines Street
Ctop 80%San Diego, CA 92109
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 →
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
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.
Comparable Properties
5 comps foundThis Property
$9,432
Comp Average
$9,148
4835 Academy St
4bd / 3.5ba · 2,929 sqft · Single Family
$2.83M
Est. $9,760/mo
4841 Academy St
4bd / 3.5ba · 2,929 sqft · Single Family
$2.80M
Est. $9,205/mo
836 Beryl Street
5bd / 5ba · 2,740 sqft · Single Family
$3.30M
Est. $11,041/mo
4985 Pacifica Dr
3bd / 2.5ba · 2,128 sqft · Single Family
$2.27M
Est. $7,261/mo
2455 Amity
3bd / 2ba · 2,224 sqft · Single Family
$3.50M
Est. $8,474/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
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
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$13,753/mo short at 20% down; 93% down or +$17,862/mo rent closes it.
- Break-even price
- $950,355
- Break-even rent
- $27,294/mo
- Cashflow at 35% down
- −$10,909/mo
- Down payment to break even
- 93%
- Rate to break even
- Not reachable
65% under asking
$17,862/mo above the estimate
$2,557,500 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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