4540 Talmadge Drive

4540 Talmadge Drive

D

San Diego, CA 92116

$1,675,000

Beds

3

Baths

3

Sqft

1,898

Year Built

1949

Days on Market

11

Property Type

Single Family

HOA/mo

N/A

MLS ID

260004910SD

Description

Set on the iconic Talmadge Loop in the heart of Kensington, this exceptional home captures the essence of one of San Diego’s most charming and sought-after neighborhoods. Just a short, enjoyable walk to Kensington Village, you’ll love being moments from local cafés, restaurants, wine bars, and neighborhood favorites while still enjoying a quiet, residential setting. The home offers a spacious and highly functional floorplan highlighted by two generously sized primary bedrooms, each with its own ensuite bathroom—an ideal setup for comfortable everyday living, hosting guests, or accommodating multigenerational needs. The expansive family room serves as the heart of the home and flows effortlessly into the dining area and kitchen, creating a warm and open environment perfect for both casual living and entertaining. Situated on a large corner lot, the home is elevated above street level, providing enhanced privacy and a sense of separation from the street. French doors off the living room invite natural light and open to a charming covered patio, conveniently located off one of the primary bedrooms—an ideal retreat for morning coffee, evening relaxation, or indoor-outdoor living year-round. With its premier location on the Talmadge Loop, this home embodies the true spirit of Kensington living—where timeless character, a strong sense of community, and everyday convenience come together seamlessly. Rarely does a home combine this level of space, privacy, and location, making this a special opportunity to own a home in one of San Diego’s most cherished and enduring neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$10,633

Principal & Interest$8,470
Property Tax$1,675
Insurance$489
%($335,000)
%

Investment Score

2D
Est. Monthly Rent
$5,288
Monthly Cashflow

Rent − PITI − HOA

$-5,346
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,958

Mortgage (P+I)
$8,470
Cap Rate
0.37%
Cash-on-Cash
-19.15%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$10,634

NOI (Annual)
$6,143
Price-to-Rent

Lower = better for investors

26.4

* 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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