4528 49th St.

4528 49th St.

D

San Diego, CA 92115

$1,295,000

Soft Appraisal Value: $1,295,200 · 0.0% below estimate

Beds

3

Baths

2

Sqft

1,382

Year Built

1955

Days on Market

82

Property Type

Single Family

HOA/mo

N/A

MLS ID

2600351SD

Description

Your own SoCal retreat at 4528 49th St., nestled along the vibrant Talmadge Historic Corridor. This 3-bedroom, 2-bath single-level home (approx. 1,382 sq ft) offers an effortless blend of classic charm and modern lifestyle. Entertain around the pool and outdoor grilling area in the private back yard. Upgraded kitchen, baths and laundry. Whether you’re hosting friends in the backyard oasis, enjoying quiet evenings by the dual-sided fireplace, or simply appreciating the seamless flow of one-level living, this home delivers. It offers comfort, style and versatility in one of San Diego’s most desirable neighborhoods. Enter through a foyer that opens to a bright open living and dining space with solid hardwood doors. The family room (275 sq ft in addition to the main area) overlooks an in-ground pool—ideal for entertaining or relaxed California indoor/outdoor living. The newly upgraded kitchen showcases custom cabinetry, quartzite countertops, and all-new appliances. The master suite has a private entrance to the pool. The “split” bedroom design offers flexibility—use the third bedroom as a nursery, home office, or hobby room. Full two car garage offers ample storage or room to add an ADU. All utilities in Talmadge placed underground (electric, phone, internet). Whether you’re hosting friends in the backyard oasis, enjoying quiet evenings by the dual-sided fireplace, or simply appreciating the seamless flow of one-level living, this home delivers. It offers comfort, style and versatility in one of San Diego’s most desirable neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$8,221

Principal & Interest$6,548
Property Tax$1,295
Insurance$378
%($259,000)
%

Investment Score

3D
Est. Monthly Rent
$5,015
Monthly Cashflow

Rent − PITIA

$-3,206
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,439

Mortgage (P+I)
$6,548
Cap Rate
1.03%
Cash-on-Cash
-25.20%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.61
Break-even Rent
$12,078

NOI (Annual)
$13,313
Price-to-Rent

Lower = better for investors

21.5

* 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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