4454 41st St

4454 41st St

D

San Diego, CA 92116

$1,397,000

Soft Appraisal Value: $1,332,700 · 4.8% above estimate

Beds

4

Baths

2

Sqft

2,255

Year Built

1925

Days on Market

13

Property Type

Single Family

HOA/mo

N/A

MLS ID

260005750SD

Description

Charming Spanish-style two-on-one property in the heart of Kensington featuring two separate addresses and versatility for investors or owner-occupants. The front residence is 4 bedrooms and 2 bathrooms, showcasing classic character and open living space, while the rear unit features 2 bedrooms and 1 bathroom, perfect for rental income, guests, or multi-generational living. Located in one of San Diego’s most desirable historic neighborhoods, this unique property blends timeless architecture, flexible living options, and prime Kensington location close to absolutely everything Adams Avenue has to offer!

Mortgage Calculator

Est. Monthly Payment

$8,868

Principal & Interest$7,064
Property Tax$1,397
Insurance$407
%($279,400)
%

Investment Score

3D
Est. Monthly Rent
$5,148
Monthly Cashflow

Rent − PITI − HOA

$-3,720
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,068

Mortgage (P+I)
$7,064
Cap Rate
0.86%
Cash-on-Cash
-26.06%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$13,029

NOI (Annual)
$11,950
Price-to-Rent

Lower = better for investors

22.6

* 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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