4839 Winona Avenue
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4839 Winona Avenue

C

San Diego, CA 92115

$1,399,000

Soft Appraisal Value: $1,366,000 · 2.4% above estimate

Beds

4

Baths

4

Sqft

2,041

Year Built

1965

Days on Market

12

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2605812

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 exceptional versatility, enhanced by a fully equipped 1 bed/1bath ADU ideal for multigenerational living or added rental income. Hardwood floors flow throughout the home, creating warmth and continuity across the spacious interiors. The oversized primary suite offers a true retreat, complete with a fireplace that elevates both comfort and architectural character. The bright, expansive kitchen is filled with natural light, while recessed lighting and thoughtful detailing add subtle sophistication throughout. The 1-bed/1-bath, 600 sq. ft. ADU above the garage provides outstanding flexibility—perfect for extended family, guests, or income-producing opportunities. Recent upgrades including owned solar, a Tesla battery, and a newer roof deliver modern efficiency and long-term peace of mind. A rare opportunity to own a home that seamlessly balances character, comfort, and multi-generational potential in one of San Diego’s most beloved neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$8,881

Principal & Interest$7,074
Property Tax$1,399
Insurance$408
%($279,800)
%

Location

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Investment Score

8D
Est. Monthly Rent
$5,008
Monthly Cashflow

Rent − PITIA

$-3,873
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,191

Mortgage (P+I)
$7,074
Cap Rate
0.76%
Cash-on-Cash
-26.55%
DSCR

Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$13,048

NOI (Annual)
$10,600
Price-to-Rent

Lower = better for investors

23.3

* 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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