4537 45th Street
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4537 45th Street

C

San Diego, CA 92115

$995,000
NEW — 2d

Soft Appraisal Value: $986,200 · 0.9% above estimate

Beds

2

Baths

2

Sqft

1,067

Year Built

1948

Days on Market

2

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2606149

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

Virtual Tour

About This Property

Welcome to this beautifully remodeled, turnkey residence tucked away on a private cul-de-sac in sought-after Talmadge. Set on an exceptional view lot, the home captures tranquil canyon vistas, lush greenery, and a peaceful sense of privacy while remaining moments from the energy of central San Diego. Renovated in 2021, this thoughtfully updated home blends timeless character with modern comfort. Warm wood floors, abundant natural light, and refreshed designer finishes create an inviting atmosphere throughout. Dual sliding glass doors open wide to create a seamless indoor-outdoor flow, leading to an expansive entertainer’s deck perched above the trees—an ideal setting for morning coffee, sunset gatherings, or simply taking in the canyon views. Major improvements include a newer roof, upgraded electrical, and a mini-split heating and air-conditioning system. Each bathroom has been fully renovated with elevated designer details, bringing a fresh, luxurious feel to the home while preserving its welcoming appeal. Enjoy the rare combination of peace and quiet with exceptional convenience. Ideally located near Kensington, Normal Heights, Hillcrest, North Park, SDSU, downtown San Diego, parks, shopping, dining, and easy freeway access.

Mortgage Calculator

Est. Monthly Payment

$6,316

Principal & Interest$5,031
Property Tax$995
Insurance$290
%($199,000)
%

Location

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Investment Score

9D
Est. Monthly Rent
$3,269
Monthly Cashflow

Rent − PITIA

$-3,047
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,628

Mortgage (P+I)
$5,031
Cap Rate
0.49%
Cash-on-Cash
-27.91%
DSCR

Need ≥ 1.25 for DSCR loan

0.52
Break-even Rent
$9,280

NOI (Annual)
$4,836
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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