4375 Del Monte
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4375 Del Monte

C

San Diego, CA 92107

$1,799,000
NEW — 0d

Soft Appraisal Value: $1,749,400 · 2.8% above estimate

Beds

3

Baths

2

Sqft

1,368

Year Built

1951

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260015877SD

This property is in San Diego (92107). View neighborhood stats →

About This Property

Rarely available in Point Loma Heights, this lovingly maintained home sits on an exceptional 7,000 SF lot with direct alley access, outstanding ADU potential, and the possibility of ocean views with a future second story addition. Cherished by the same owner for over 30 years, it offers timeless charm, thoughtful improvements, and exceptional pride of ownership. The updated kitchen features custom cabinetry, granite countertops, a premium Wolf 6-burner range, built-in KitchenAid refrigerator, Bosch dishwasher, and generous prep space. Original hardwood floors, a classic brick fireplace, French doors, and abundant natural light create warm and inviting living spaces, while a dedicated home office/ 3rd bedroom overlooks the gardens. Step into your own backyard harvest with mature fruit trees, raised vegetable beds, fragrant roses, and lush landscaping all on irrigation - a personal farmers market just outside your door. The expanded patio and hardscape, side deck, and wood fired pizza oven creates the perfect setting for outdoor dining, entertaining, or simply enjoying San Diego's year round coastal climate. Lovingly maintained and thoughtfully improved over the years with updated kitchen and bathrooms, updated windows and French doors, newer siding and insulation, updated irrigation, gutters, fencing, garage roof, and garage door opener. Ideally located just minutes from Sunset Cliffs, Ocean Beach, Liberty Station, parks, top rated schools, shopping, and dining, this is a rare opportunity to enjoy today while creating even more value for tomorrow. A true gardener's paradise, the property features an abundant and established edible landscape designed for year-round enjoyment. The grounds include mature fig, apple, avocado, persimmon, pomegranate, Meyer lemon, and two orange trees, complemented by thriving vegetable beds with tomatoes, zucchini, green beans, shallots, garlic, chili peppers, and seasonal squash. Fresh herbs including basil, parsley, thyme, and mint grow alongside asparagus, a flourishing passionfruit vine, creating a beautiful and productive garden that offers both charm and farm to table living.

Mortgage Calculator

Est. Monthly Payment

$11,420

Principal & Interest$9,097
Property Tax$1,799
Insurance$525
%($359,800)
%

Location

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Investment Score

6D
Est. Monthly Rent
$6,154
Monthly Cashflow

Rent − PITIA

$-5,267
Full Cashflow

Incl. vacancy, PM, maint, capex

$-8,181

Mortgage (P+I)
$9,097
Cap Rate
0.61%
Cash-on-Cash
-27.29%
DSCR

Need ≥ 1.25 for DSCR loan

0.54
Break-even Rent
$16,779

NOI (Annual)
$10,985
Price-to-Rent

Lower = better for investors

24.4

* 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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