4537 45th St

4537 45th St

D

San Diego, CA 92115

$1,125,000

Soft Appraisal Value: $1,156,100 · 2.7% below estimate

Beds

2

Baths

2

Sqft

1,067

Year Built

1948

Days on Market

34

Property Type

Single Family

HOA/mo

N/A

MLS ID

260004800SD

Description

Tucked on a lush 15,600 sq ft canyon lot in Talmadge, this remodeled retreat offers the best of walkable city living with the serenity of a private escape. Step out to tree-lined streets, nearby cafes, parks, and everyday conveniences, then step inside and feel instantly miles away from it all. Meticulously renovated in 2021, the home blends timeless charm with modern peace of mind: newer roof, upgraded electrical, refreshed finishes throughout, and a mini-split heat/AC system in one bedroom for personalized comfort. Bright windows draw your eye straight to sweeping canyon greenery, creating an indoor-outdoor vibe that’s perfect for morning coffee, sunset wine, or entertaining under the stars. The expansive deck feels like your own secret garden - the ultimate view deck retreat. All of this in a centrally located neighborhood just minutes to Kensington, SDSU, Mission Valley, and freeway access—yet when you’re home, all you hear is birds and the breeze in the canyon. This is not just another Talmadge house; it’s a rare canyon-view sanctuary in the heart of San Diego.

Mortgage Calculator

Est. Monthly Payment

$7,142

Principal & Interest$5,689
Property Tax$1,125
Insurance$328
%($225,000)
%

Investment Score

1D
Est. Monthly Rent
$3,691
Monthly Cashflow

Rent − PITIA

$-3,451
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,237

Mortgage (P+I)
$5,689
Cap Rate
0.48%
Cash-on-Cash
-27.93%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.52
Break-even Rent
$10,492

NOI (Annual)
$5,419
Price-to-Rent

Lower = better for investors

25.4

* 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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