
4616 Bay Summit Pl
Ctop 80%San Diego, CA 92117
62 licensed short-term rentals within ½ mile (29 whole home), from the cities' license and permit lists of Oct 31, 2026.
None of the 20 homes on this home's recorded tract holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.
Pass at asking: -$7,429/mo full cashflow at 20% down, 7.49% rate.
Works at $476,326 (67% under asking), or at 94% down.
Rent $5,017/mo from 13 leases of 2–4 bed houses within 1 mi ($4,504–$5,681).
Beds
3
Baths
2.5
Sqft
1,827
Year Built
1982
Days on Market
45
Property Type
Single Family
HOA/mo
$189
MLS ID
260022574SD
This property is in San Diego (92117). View neighborhood stats →
About This Property
Welcome to 4616 Bay Summit Pl, San Diego, a charming house nestled on a canyon in a desirable location. This residence accords a spacious living area of 1,827 square feet, providing ample space for comfortable living. With three bedrooms and two full bathrooms, and a 1/2 bathroom downstairs, the home provides a versatile layout to accommodate various needs. The property sits on a lot of 0.078 acres, offering a cozy outdoor space appropriate for relaxing . The design and layout make it a warm and inviting space to call home. This home has been lovingly renovated with attention to detail, in a classic Mediterranean style, with eclectic touches of art deco. There are multiple upgrades with high end options. A partial list includes a patio on the canyon with a deck overhead, a front yard water feature, a backyard fountain, automatic sprinkler system, new windows, tiled floors in an Italian style throughout, upgraded appliances, a hand-painted Italian kitchen sink, granite countertops and designer touches, stained glass and art deco windows, 2 jetted tubs, French doors to the deck, a balcony off of the master bedroom, newer doors with art deco glass, ceiling fans in each bedroom and the living room, new landscaping, fully owned solar electric and water heater, and the indoor- outdoor feeling of California with dinner on the patio and morning coffee on the deck. There is a community pool and hot tub. The home is located in arguably the best climatic area of San Diego , with plenty of sunshine and ocean breezes coming up the canyon from Mission Bay. Don't miss out.
Mortgage Calculator
Est. Monthly Payment
$10,093
Location
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Zoned Schools
Elementary
Toler Elementary · grades PK-5 · San Diego Unified
Middle
Marston Middle · grades 6-8 · San Diego Unified
High
Clairemont High · grades 9-12 · San Diego Unified
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$5,017
Comp Average
$5,681
4241 Mount Hukee Avenue
4bd / 3ba · 1,784 sqft · Single Family
$1.25M
Est. $5,511/mo
4714 Mount Harris Dr.
4bd / 2.5ba · 2,015 sqft · Single Family
$1.46M
Est. $6,356/mo

5333 Arlene St
3bd / 2ba · 1,600 sqft · Single Family
$1.20M
Est. $4,962/mo
3341 Mount Laurence Dr
3bd / 2ba · 2,032 sqft · Single Family
$1.55M
Est. $5,739/mo
4786 Edison
3bd / 2.5ba · 2,044 sqft · Single Family
$1.59M
Est. $5,835/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
13 leases of 2–4 bed houses within 1 mi · $4,504–$5,681
Blended 50/50 with the zip's market median ($4,779)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$7,429/mo short at 20% down; 94% down or +$9,648/mo rent closes it.
- Break-even price
- $476,326
- Break-even rent
- $14,665/mo
- Cashflow at 35% down
- −$5,921/mo
- Down payment to break even
- 94%
- Rate to break even
- Not reachable
67% under asking
$9,648/mo above the estimate
$1,353,130 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.
Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.
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