4714 Mount Harris Dr.
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4714 Mount Harris Dr.

Ctop 80%

San Diego, CA 92117

$1,455,000
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

30 licensed short-term rentals within ½ mile (19 whole home), from the cities' license and permit lists of Nov 11, 2026.

Pass at asking: -$6,384/mo full cashflow at 20% down, 7.43% rate.

Works at $623,778 (57% under asking), or at 84% down.

Rent $6,222/mo from 14 leases of 3–5 bed houses within 1 mi ($5,090–$5,506).

Beds

4

Baths

2.5

Sqft

2,015

Year Built

1958

Days on Market

109

Property Type

Single Family

HOA/mo

N/A

MLS ID

260018225SD

This property is in San Diego (92117). View neighborhood stats →

Virtual Tour

About This Property

Just what you're searching for! Beautifully updated and spacious four bedroom home located in the convenient community of Clairemont. Enter through a private security gate into a luscious, tiled courtyard, with a fire pit and water fountain, perfect for intimate gatherings. The entry-way leads into a light and airy great room, with large living and dining areas featuring vaulted ceilings, skylights and a cozy fireplace, all opening to the wrap around patio and pool. The primary suite looks out to the courtyard and features a large walk-in closet and luxurious bath. An additional bedroom is also located on this floor, as well as a lovely guest powder room. Two more spacious bedrooms with a full bath are upstairs, ideal for multi-generational living. The kitchen features granite countertops with all tile backsplash, Wolf cooktop, double oven and wine cooler. A large eating area opens to one of the patios. The rear patio has a beautiful lap pool for hot summer days, a palapa with firepit and a large built- in barbeque and bar. Low maintenance front and backyard with updated Santa Barbara stucco and tile pavers. Solar power, A/C, tiled floors, shutters and ceiling fans add to the ambiance of this lovely home. Enjoy your active lifestyle all year around in this quality, turn-key residence.

Mortgage Calculator

Est. Monthly Payment

$9,963

Principal & Interest$8,083
Property Tax$1,455
Insurance$424
%($291,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Holmes Elementary · grades K-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.

Investment Score

17C
Est. Monthly Rent
$6,222

14 leases of 3–5 bed houses within 1 mi · $5,090–$5,506

Blended 50/50 with a property-level estimate

A property-level estimate runs more than 25% above what comparable homes leased for ($5,399). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$3,740
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,384

What would make this work?

$6,384/mo short at 20% down; 84% down or +$8,291/mo rent closes it.

Break-even price

57% under asking

$623,778
Break-even rent

$8,291/mo above the estimate

$14,513/mo
Cashflow at 35% down
−$4,868/mo
Down payment to break even

$1,222,200 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$8,083
Cap Rate
1.66%
Cash-on-Cash
-26.32%
DSCR

Need ≥ 1.25 for DSCR loan

0.62

NOI (Annual)
$24,126
Price-to-Rent

Lower = better for investors

19.5

* Modelled at 20% down, 7.43% 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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CCashflow−$6,384/mo