4434 Santa Monica Avenue

4434 Santa Monica Avenue

D

San Diego, CA 92107

$2,150,000

Soft Appraisal Value: $2,091,600 · 2.8% above estimate

Beds

4

Baths

3

Sqft

2,130

Year Built

1940

Days on Market

16

Property Type

Single Family

HOA/mo

N/A

MLS ID

TR26056076

View on MLS

Description

Beautifully remodeled Ocean Beach home with panoramic ocean views! This 4 bedroom, 3 bath residence sits high on the hill yet within minutes to Newport Avenue and Downtown OB. Enjoy a large private backyard oasis with ample space for outdoor living. Situated on a 7000 square foot lot, this property features a garage-office with storage room and an attached car port. The property also comes with fully executed plans (ready for submittal) for 3 ADUS. Inside, every detail has been updated with high-end finishes, a designer open-concept kitchen, and modern baths. Energy-efficient features include LED lighting and a tankless water heater. The Master bedroom has stunning coastal vistas with French Doors that open on to an expansive second story wrap-around deck perfect for entertaining or relaxing. Luxury, location, and investment potential combine in this exceptional Ocean Beach coastal retreat.

Mortgage Calculator

Est. Monthly Payment

$13,649

Principal & Interest$10,872
Property Tax$2,150
Insurance$627
%($430,000)
%

Investment Score

1D
Est. Monthly Rent
$6,446
Monthly Cashflow

Rent − PITI − HOA

$-7,203
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,477

Mortgage (P+I)
$10,872
Cap Rate
0.22%
Cash-on-Cash
-29.24%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.47
Break-even Rent
$20,052

NOI (Annual)
$4,737
Price-to-Rent

Lower = better for investors

27.8

* 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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