
4251 Moraga Avenue
Ctop 80%San Diego, CA 92117
One license per person in San Diego: whether you can hold it depends on you, not only the home.
30 licensed short-term rentals within ½ mile (17 whole home), from the cities' license and permit lists of Nov 7, 2026.
Pass at asking: -$5,580/mo full cashflow at 20% down, 7.43% rate.
Works at $502,313 (59% under asking), or at 86% down.
Rent $5,011/mo from 10 leases of 3-bed houses within 1 mi ($4,556–$4,949).
Beds
3
Baths
2
Sqft
1,394
Year Built
1957
Days on Market
45
Property Type
Single Family
HOA/mo
N/A
MLS ID
260023127SD
This property is in San Diego (92117). View neighborhood stats →
About This Property
New price on one of the larger lots in Bay Ho. This 3-bed, 2-bath home sits on an oversized 7,300 sq ft lot in Clairemont’s 92117 zip code, with the major updates already handled. The remodeled kitchen pairs solid hickory cabinetry with cool adobe tile floors and opens directly to the dining and living spaces, an open flow that’s rare among the neighborhood’s 1950s homes. A new Samsung French-door refrigerator conveys. Every major system is current: dual-pane tempered windows, an updated electrical panel, an energy-efficient furnace and water heater, and a leased eight-panel solar system with battery backup. Both baths have walk-in showers and low-flow fixtures. Out back, you’ll find peekaboo ocean views and a terraced, irrigated orchard of Meyer lemon, Hass avocado, Cara Cara orange, and more. The lot leaves room to think bigger. Buyer to verify ADU or expansion potential. Zoned for Cadman Elementary, Marston Middle, and Clairemont High. Moraga’s wide frontage makes coming and going easy, with Mission Bay, Pacific Beach, and I-5 just minutes away.
Mortgage Calculator
Est. Monthly Payment
$8,415
Location
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Zoned Schools
Elementary
Cadman Elementary · grades K-5 · San Diego Unified
Middle
Marston Middle · grades 6-8 · San Diego Unified
High
Clairemont 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
$5,011
Comp Average
$4,707
5439 Northridge Ct
3bd / 2ba · 1,354 sqft · Single Family
$949K
Est. $4,648/mo
4455 Pocahontas Ave
3bd / 2ba · 1,405 sqft · Single Family
$1.15M
Est. $4,697/mo
San Diego
3bd / 2ba · 1,418 sqft · Single Family
$1.12M
Est. $4,290/mo
3321 Cheyenne
3bd / 2ba · 1,469 sqft · Single Family
$1.40M
Est. $5,223/mo
4761 Mount Gaywas Drive
3bd / 2ba · 1,454 sqft · Single Family
$1.44M
Est. $4,677/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
10 leases of 3-bed houses within 1 mi · $4,556–$4,949
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,580/mo short at 20% down; 86% down or +$7,247/mo rent closes it.
- Break-even price
- $502,313
- Break-even rent
- $12,258/mo
- Cashflow at 35% down
- −$4,300/mo
- Down payment to break even
- 86%
- Rate to break even
- Not reachable
59% under asking
$7,247/mo above the estimate
$1,056,940 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% 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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