4502 Vista St

4502 Vista St

D

San Diego, CA 92116

$1,599,000
NEW — 3d on market

Beds

3

Baths

2.5

Sqft

1,492

Year Built

1945

Days on Market

3

Property Type

Single Family

HOA/mo

N/A

MLS ID

260005321SD

Description

Historic charm meets modern comfort in coveted Kensington. Built in 1945 and very well-maintained, this bungalow-style home sits back on a sunny corner lot just south of Adams and offers exceptional natural light throughout. Enjoy easy indoor/outdoor living with inviting entertaining areas that flow to a private rear-yard oasis—ideal for dining al fresco, relaxing, or hosting friends. The open kitchen and dining area create a welcoming hub, while Bedroom 3 is perfectly suited for a home office or flex space. A two-car garage adds everyday convenience, along with paid-off solar and an EV charger for added efficiency and everyday ease. The easy-care landscaping means more time enjoying the yard and less time maintaining it. Just a short stroll to Kensington’s quaint commercial strip for restaurants and services, plus quick freeway access that makes commuting more manageable. Welcome to Kensington—where a charming 1945 home, walkable living, and effortless indoor/outdoor flow come together. Very well-maintained and set back on a corner lot just south of Adams, this light-filled residence offers a warm, inviting feel and a layout made for everyday comfort. Host with ease in the open kitchen and dining area, then head outside to your private backyard oasis with space to entertain, unwind, and enjoy San Diego evenings—made even better by easy-care landscaping. Need to work from home? Bedroom 3 makes an ideal office—better yet, take your laptop outdoors. You’ll also appreciate the paid-off solar and EV charger, plus a two-car garage. Walk to Kensington’s restaurants and services, this home makes it easy to love where you live.

Mortgage Calculator

Est. Monthly Payment

$10,151

Principal & Interest$8,085
Property Tax$1,599
Insurance$466
%($319,800)
%

Investment Score

1D
Est. Monthly Rent
$4,899
Monthly Cashflow

Rent − PITI − HOA

$-5,251
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,711

Mortgage (P+I)
$8,085
Cap Rate
0.28%
Cash-on-Cash
-19.71%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.48
Break-even Rent
$10,150

NOI (Annual)
$4,497
Price-to-Rent

Lower = better for investors

27.2

* 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.

Get Expert AnalysisOpen Full Calculator