4202 Madison Avenue

4202 Madison Avenue

D

San Diego, CA 92116

$1,395,000
NEW — 4d on market

Beds

3

Baths

1

Sqft

1,364

Year Built

1926

Days on Market

4

Property Type

Single Family

HOA/mo

N/A

MLS ID

260007558SD

Description

Perfectly positioned just steps from everything you love in Kensington Village, this single-level Spanish beauty w/ OWNED SOLAR blends classic character with effortless livability. From the moment you step inside, you’re welcomed by immaculate original hardwood floors, a stunning barreled ceiling, and a spacious living room anchored by a gas fireplace framed with rich wood built-ins. The layout flows seamlessly into a private dining room just off the kitchen — ideal for intimate dinners or hosting friends before strolling down to Adams Avenue. Natural light fills the home, highlighting its warmth and architectural details. The kitchen offers a warm and functional space designed for both everyday living and effortless entertaining. With generous counter space, abundant cabinetry, and a thoughtful layout, it flows naturally into the dining room while still maintaining its own distinct presence. The rear bedroom features charming doors that open directly to a serene, Zen-inspired backyard retreat. Thoughtfully designed with Spanish tile accents and a beautiful gazebo, the outdoor space feels like a private escape — ideal for morning coffee, al fresco dining, or quiet evenings under the stars. Mature landscaping enhances the sense of privacy while still allowing the space to feel open and inviting. A detached one-car garage provides convenience and flexibility — perfect for secure parking, additional storage, or even a creative studio space. Homes in Kensington at this price point — especially ones that are this turn-key and rich in original character — are exceptionally rare.

Mortgage Calculator

Est. Monthly Payment

$8,856

Principal & Interest$7,054
Property Tax$1,395
Insurance$407
%($279,000)
%

Investment Score

2D
Est. Monthly Rent
$4,994
Monthly Cashflow

Rent − PITIA

$-3,862
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,173

Mortgage (P+I)
$7,054
Cap Rate
0.76%
Cash-on-Cash
-26.55%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$13,011

NOI (Annual)
$10,571
Price-to-Rent

Lower = better for investors

23.3

* 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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