4502 Vista St
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4502 Vista St

D

San Diego, CA 92116

$1,499,000
NEW — 4d

Soft Appraisal Value: $1,476,100 · 1.6% above estimate

Beds

3

Baths

2.5

Sqft

1,492

Year Built

1945

Days on Market

4

Property Type

Single Family

HOA/mo

N/A

MLS ID

260013504SD

This property is in San Diego (92116). View neighborhood stats →

About This Property

Fresh photography, fresh perspective. Set on a sunny corner lot just south of Adams Avenue, this thoughtfully updated one-story home blends charm, comfort, and function. A well-planned addition created a spacious primary suite, expanded dining area, and powder room, improving the home’s natural flow and livability. The kitchen and dining areas connect easily as the heart of the home, while the third bedroom offers flexibility for an office, nursery or creative use. Outdoor spaces open to a private backyard retreat ideal for dining, relaxing, or entertaining. Low-maintenance landscaping, a two-car garage, paid-off solar, and an EV charger add practical everyday value. Located near Kensington’s shops, cafés, restaurants, and local favorites, with quick freeway access to the rest of San Diego. Very well-maintained and set back from the street, this light-filled home offers a warm, comfortable feel from the moment you arrive. The corner lot provides a sense of openness, while the home’s single-level design makes daily living easy and accessible. Enjoy morning coffee, evening dinners, or a quiet work-from-home change of scenery in the private outdoor spaces. Just south of Adams Avenue, the location offers the convenience of nearby neighborhood favorites while still feeling tucked into a residential setting.

Mortgage Calculator

Est. Monthly Payment

$9,516

Principal & Interest$7,580
Property Tax$1,499
Insurance$437
%($299,800)
%

Location

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Investment Score

7D
Est. Monthly Rent
$5,310
Monthly Cashflow

Rent − PITIA

$-4,206
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,676

Mortgage (P+I)
$7,580
Cap Rate
0.72%
Cash-on-Cash
-26.72%
DSCR

Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$13,980

NOI (Annual)
$10,842
Price-to-Rent

Lower = better for investors

23.5

* 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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