4120 Bayard St
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4120 Bayard St

D

San Diego, CA 92109

$3,295,000
NEW — 2d

Beds

3

Baths

3.5

Sqft

3,624

Year Built

2014

Days on Market

2

Property Type

Single Family

HOA/mo

N/A

MLS ID

260012118SD

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

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About This Property

Just 1.5 blocks from both the ocean and bay in Pacific Beach’s highly sought-after Braemar District, this spacious coastal home offers more than 3,600 square feet of living space on a 6,300-square-foot street-to-alley lot. Designed for effortless indoor-outdoor living, the open-concept floor plan features high ceilings, abundant natural light, and seamless flow from the welcoming front porch to the fun-filled backyard complete with turf, pool, spa, and a detached 2-car garage with alley access for vehicles and beach gear. The main level includes formal living and dining rooms, a family room, dine-in kitchen, powder room, laundry room, and a private ensuite bedroom, while upstairs offers an expansive second family room and two additional ensuite bedrooms, including a generously sized primary suite with a spa-inspired bath and walk-in closet. Additional highlights include owned solar, air conditioning, and a tankless water heater. The Braemar District is beloved for its ideal location between the bay and ocean, walkability to local shops and restaurants, and the quiet charm created by its predominantly single-family-home setting.

Mortgage Calculator

Est. Monthly Payment

$20,917

Principal & Interest$16,661
Property Tax$3,295
Insurance$961
%($659,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$7,033
Monthly Cashflow

Rent − PITIA

$-13,884
Full Cashflow

Incl. vacancy, PM, maint, capex

$-18,248

Mortgage (P+I)
$16,661
Cap Rate
-0.58%
Cash-on-Cash
-33.23%
DSCR

Need ≥ 1.25 for DSCR loan

0.34
Break-even Rent
$30,731

NOI (Annual)
$-19,037
Price-to-Rent

Lower = better for investors

39.0

* 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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