4279 Lamont St
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4279 Lamont St

Ctop 80%

San Diego, CA 92109

$1,339,900
NEW — 1d
STR: check · no permits in this complex · TOT 12.75%

181 licensed short-term rentals within ½ mile (125 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 4-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$6,174/mo full cashflow at 20% down, 7.36% rate.

Works at $532,014 (60% under asking), or at 87% down.

Rent $5,280/mo from 11 leases of 2–4 bed condos & townhomes within 0.5 mi ($4,154–$5,636).

Beds

3

Baths

3.5

Sqft

1,448

Year Built

2008

Days on Market

1

Property Type

Townhouse

HOA/mo

N/A

MLS ID

260026823SD

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

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About This Property

NO HOA DUES! Light, bright, & freshly painted, this beautifully maintained 3-bedroom, 3.5-bath townhome, built in 2008, offers an ideal blend of space, style, & functionality across three levels of living. The spacious main living level features an open, recently remodeled kitchen with stainless steel appliances, pantry closet, breakfast bar, & stylish countertops & backsplash. The kitchen opens to a dedicated dining area & large living room with fireplace, creating an inviting space for everyday living & entertaining. Two private balconies & a contemporary half bath complete this level. Upstairs, the primary suite features a walk-in closet, large private balcony, & beautifully appointed bath with dual sinks, separate soaking tub, & walk-in shower. A second bedroom on this level offers its own en-suite bath & private balcony with views. The entry level includes a third bedroom with an attached bath & sliding-door access to the front patio, providing flexibility for guests, a home office, or additional living space. The large side-by-side 2-car garage connects directly to the home & features brand-new epoxy flooring, abundant storage, & a full-size laundry area with utility sink. Additional highlights include central heat & A/C, owned solar, recessed lighting, & ceiling fans. Ideally located in Pacific Beach on the edge of Crown Point, this home puts you close to the bay, beaches, shopping, dining, & convenient freeway access. Enjoy the true San Diego beach-area lifestyle with an endless variety of recreation, restaurants, & entertainment just outside your front door.

Mortgage Calculator

Est. Monthly Payment

$9,123

Principal & Interest$7,393
Property Tax$1,340
Insurance$391
%($267,980)
%
Loan Term

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.

Investment Score

13C
Est. Monthly Rent
$5,280

11 leases of 2–4 bed condos & townhomes within 0.5 mi · $4,154–$5,636

Blended 50/50 with the zip's market median ($6,060)

Monthly Cashflow

Rent − PITIA

-$3,843
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,174

What would make this work?

$6,174/mo short at 20% down; 87% down or +$8,019/mo rent closes it.

Break-even price

60% under asking

$532,014
Break-even rent

$8,019/mo above the estimate

$13,299/mo
Cashflow at 35% down
−$4,788/mo
Down payment to break even

$1,165,713 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,393
Cap Rate
1.33%
Cash-on-Cash
-27.65%
DSCR

Need ≥ 1.25 for DSCR loan

0.58

NOI (Annual)
$17,785
Price-to-Rent

Lower = better for investors

21.1

* 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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CCashflow−$6,174/mo