4839 Winona Avenue

4839 Winona Avenue

D

San Diego, CA 92115

$1,550,000

Soft Appraisal Value: $1,512,100 · 2.5% above estimate

Beds

3

Baths

3

Sqft

1,441

Year Built

1965

Days on Market

32

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2602079

Description

Set on a prominent corner lot in the heart of Talmadge, this 3 bed/3 bath residence blends timeless design with versatile living. Hardwood floors flow throughout the home, anchoring its spacious interiors and lending warmth to each room. The oversized primary suite is a true retreat, complete with a fireplace that adds both ambiance and architectural interest. The kitchen is expansive and filled with natural light. Recessed lighting and thoughtful detailing throughout the home enhance its livability while adding subtle sophistication. The 1 bed 1 bath ADU above the garage offers flexibility for extended family, guests, or supplemental income, making this property as functional as it is charming. Recent upgrades include solar panels, a Tesla charger and a newer roof, offering energy efficiency and long-term peace of mind. This is a rare opportunity to own a home that balances character, comfort & multi-gen potential in one of San Diego's most beloved neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$9,840

Principal & Interest$7,838
Property Tax$1,550
Insurance$452
%($310,000)
%

Investment Score

0D
Est. Monthly Rent
$4,499
Monthly Cashflow

Rent − PITIA

$-5,341
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,667

Mortgage (P+I)
$7,838
Cap Rate
0.13%
Cash-on-Cash
-29.68%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.46
Break-even Rent
$14,456

NOI (Annual)
$2,047
Price-to-Rent

Lower = better for investors

28.7

* 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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