4504 Osprey St
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4504 Osprey St

C

San Diego, CA 92107

$5,599,900
NEW — 1d

Soft Appraisal Value: $5,345,100 · 4.8% above estimate

Beds

5

Baths

6.5

Sqft

4,375

Year Built

2022

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260014227SD

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

Virtual Tour

About This Property

Perched just two blocks from the dramatic waves of Sunset Cliffs, this custom architectural masterpiece redefines modern coastal luxury with a seamless blend of cutting-edge smart technology and breathtaking panoramic ocean views. A private, three-stop commercial-grade elevator effortlessly connects the multi-level layout, leading to a sprawling upper-level sanctuary flooded with natural light, soaring high ceilings, and an open-concept great room. At the heart of the home is a chef’s dream kitchen, anchored by a massive quartz waterfall island, premium stone finishes, and a hidden walk-in pantry, all flowing out through disappearing glass pocket doors to an attached viewing deck designed for premier sunset entertaining. The entry-level layout features a sophisticated primary retreat complete with a custom-built walk-in closet and a spa-like bath with a deep standalone soaking tub. Outside, the premium corner lot maximizes space with a fully fenced backyard oasis featuring low-maintenance artificial turf, a putting green, a private portable spa, and a matching storage shed, while the detached two-car garage offers convenient code-access entry via a paved rear alley. Engineered for complete grid independence, this eco-luxury residence boasts a fully owned 11.45kW solar panel array paired with dual backup batteries, completely free from the burden of HOA or Mello-Roos fees. From the private retreats to the ultimate roof deck capturing 360-degree views of the Pacific horizon and evening neighborhood lights, this home offers an unparalleled, turnkey coastal lifestyle.

Mortgage Calculator

Est. Monthly Payment

$35,549

Principal & Interest$28,316
Property Tax$5,600
Insurance$1,633
%($1,119,980)
%

Location

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Comparable Properties

2 comps found

This Property

$10,072

vs

Comp Average

$7,930

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

0D
Est. Monthly Rent
$10,072
Monthly Cashflow

Rent − PITIA

$-25,477
Full Cashflow

Incl. vacancy, PM, maint, capex

$-32,460

Mortgage (P+I)
$28,316
Cap Rate
-0.89%
Cash-on-Cash
-34.78%
DSCR

Need ≥ 1.25 for DSCR loan

0.28
Break-even Rent
$52,228

NOI (Annual)
$-49,729
Price-to-Rent

Lower = better for investors

46.3

* 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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