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4537 45th St
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4537 45th St

D

San Diego, CA 92115

$1,049,900

Soft Appraisal Value: $1,156,100 · 9.2% below estimate

Beds

2

Baths

2

Sqft

1,067

Year Built

1948

Days on Market

76

Property Type

Single Family

HOA/mo

N/A

MLS ID

260004800SD

This property is in San Diego (92115). View neighborhood stats →

Virtual Tour

About This Property

Nestled on a serene canyon-view lot in Talmadge, this beautifully remodeled retreat offers exceptional privacy and timeless charm within one of San Diego’s most walkable neighborhoods. From tree-lined and ornamental acorn and crown street lamp streets to local cafés and parks, the location captures vibrant city living—yet the moment you step inside, you're surrounded by calm and canyon greenery—offering a rare blend of serenity and convenience just moments from Kensington, Normal Heights, SDSU, Mission Valley, and nearby cafés, parks, and local shops. Step inside to discover warm hardwood floors throughout, a thoughtfully updated kitchen with modern finishes and newer windows, and expansive dual sliding glass doors that opens wide to an entertainer’s deck that feels suspended above the trees. Meticulously renovated in 2021, the home features a newer roof, upgraded electrical, refreshed finishes, and a mini-split heat/AC system for personalized comfort. Each bathroom has been fully updated with beautiful designer details, enhancing the home’s timeless character with modern luxury. Natural light and greenery pour through every window, creating an effortless indoor–outdoor flow that invites relaxation, connection, and sunsets over the canyon. Whether you’re savoring morning coffee on the deck, hosting dinner with the sounds of nature as your backdrop, or simply enjoying the peace that comes with privacy and space, this residence offers an unmatched lifestyle in one of San Diego’s most beloved neighborhoods—a true canyon-view retreat where style meets serenity.

Mortgage Calculator

Est. Monthly Payment

$6,665

Principal & Interest$5,309
Property Tax$1,050
Insurance$306
%($209,980)
%

Location

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Investment Score

0D
Est. Monthly Rent
$2,792
Monthly Cashflow

Rent − PITIA

$-3,873
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,390

Mortgage (P+I)
$5,309
Cap Rate
-0.09%
Cash-on-Cash
-30.80%
DSCR

Need ≥ 1.25 for DSCR loan

0.42
Break-even Rent
$9,792

NOI (Annual)
$-972
Price-to-Rent

Lower = better for investors

31.3

* 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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