4839 Winona Avenue
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4839 Winona Avenue

D

San Diego, CA 92115

$1,475,000

Soft Appraisal Value: $1,451,300 · 1.6% above estimate

Beds

3

Baths

3

Sqft

2,041

Year Built

1965

Days on Market

78

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2602079

This property is in San Diego (92115). View neighborhood stats →

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About This Property

This 3 bed/3 bath residence blends timeless design with versatile living offering an ADU for guest or generational 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 600sq ft 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 battery 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

$9,364

Principal & Interest$7,458
Property Tax$1,475
Insurance$430
%($295,000)
%

Location

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Investment Score

7D
Est. Monthly Rent
$5,188
Monthly Cashflow

Rent − PITIA

$-4,175
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,598

Mortgage (P+I)
$7,458
Cap Rate
0.70%
Cash-on-Cash
-26.84%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$13,757

NOI (Annual)
$10,327
Price-to-Rent

Lower = better for investors

23.7

* 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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