4096 Union Square Lane

4096 Union Square Lane

D

San Diego, CA 92105

$675,000

Soft Appraisal Value: $672,500 · 0.4% above estimate

Beds

3

Baths

2.5

Sqft

1,494

Year Built

2007

Days on Market

17

Property Type

Townhouse

HOA/mo

$296

MLS ID

PTP2601937

Description

Rare opportunity to own a beautiful townhome in the heart of San Diego! This spacious home features an open floor plan with tall ceilings that create a bright and inviting atmosphere. Offering 3 bedrooms, 2 full bathrooms, and a convenient half bath on the main level, along with a large laundry room for added functionality. The kitchen is perfectly positioned and features stainless steel appliances, granite countertops, and an open layout that flows seamlessly into the dining area—perfect for entertaining. The home also includes a 2-car tandem garage with epoxy floors and plenty of storage space. As a top-floor end unit, this home offers extra privacy and truly feels like a standalone home. Enjoy the large west-facing balcony, perfect for relaxing and taking in beautiful sunsets. Low HOA fees and the complex is FHA and VA approved, making this an excellent opportunity for a wide range of buyers.

Mortgage Calculator

Est. Monthly Payment

$4,581

Principal & Interest$3,413
Property Tax$675
Insurance$197
HOA$296
%($135,000)
%

Investment Score

5D
Est. Monthly Rent
$3,483
Monthly Cashflow

Rent − PITI − HOA

$-1,098
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,462

Mortgage (P+I)
$3,413
Cap Rate
1.69%
Cash-on-Cash
-21.88%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.76
Break-even Rent
$6,680

NOI (Annual)
$11,417
Price-to-Rent

Lower = better for investors

16.1

* 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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