4647 Pico Street
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4647 Pico Street #100

B

San Diego, CA 92109

$539,000

Soft Appraisal Value: $527,400 · 2.2% above estimate

Beds

1

Baths

1

Sqft

625

Year Built

1976

Days on Market

46

Property Type

Condo

HOA/mo

$340

MLS ID

NDP2604495

This property is in San Diego (92109). View neighborhood stats →

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About This Property

Turn-key corner-unit condo in the heart of Pacific Beach, offering an exceptional opportunity for first-time buyers, investors, or anyone seeking coastal living at an attractive price point. This move-in ready 1-bedroom, 1-bath home features approximately 625 sq ft with an open-concept layout, updated luxury vinyl plank flooring, remodeled kitchen with stainless steel appliances and farmhouse sink, and a beautifully renovated designer bathroom featuring Italian tile, modern vanity and fixtures, sleek glass shower enclosure, and a contemporary skirted toilet. Additional upgrades include vinyl windows and sliding door, shaker-style interior doors, mirrored closet doors, linen storage, and an in-unit stackable washer/dryer. The spacious private patio offers additional storage and indoor-outdoor living, while the unit also includes one assigned secure parking space plus a separate storage closet. Well-maintained community with pool and low HOA fees. Ideally located near the beach, bay, Garnet Ave dining and shopping, Kate Sessions Park, coffee shops, bike paths, with convenient access to La Jolla, downtown San Diego, Balboa Park, SeaWorld, and I-5 Freeway.

Mortgage Calculator

Est. Monthly Payment

$3,762

Principal & Interest$2,725
Property Tax$539
Insurance$157
HOA$340
%($107,800)
%

Location

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Investment Score

33C
Est. Monthly Rent
$2,344
Monthly Cashflow

Rent − PITIA

$-1,417
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,406

Mortgage (P+I)
$2,725
Cap Rate
0.71%
Cash-on-Cash
-26.78%
DSCR

Need ≥ 1.25 for DSCR loan

0.62
Break-even Rent
$5,468

NOI (Annual)
$3,837
Price-to-Rent

Lower = better for investors

19.2

* 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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