4863 Polk Ave.
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4863 Polk Ave.

B

San Diego, CA 92105

$649,000

Soft Appraisal Value: $651,100 · 0.3% below estimate

Beds

3

Baths

2

Sqft

1,150

Year Built

1942

Days on Market

45

Property Type

Single Family

HOA/mo

N/A

MLS ID

260007329SD

This property is in San Diego (92105). View neighborhood stats →

Virtual Tour

About This Property

Welcome to 4863 Polk Avenue—a thoughtfully upgraded City Heights home that blends flexibility, function, and everyday comfort. This 4-bedroom, 2-bath residence offers 1,150 square feet of well-designed living space, ideal for today’s dynamic lifestyle. What truly sets this home apart is its versatile split layout with separate entrances—perfect for multigenerational living, rental income potential, or a seamless live/work setup. The front portion of the home provides a comfortable living retreat, while the rear bedrooms offer privacy for guests, office space, or additional income opportunities. At the heart of the home, an updated kitchen opens into a spacious bonus room—creating a natural gathering space for entertaining, relaxing, or bringing everyone together. Natural light fills the interior, giving the home a bright and welcoming feel throughout. Major upgrades have already been taken care of, including a newer roof, updated plumbing, and modernized electrical. Step outside to a private backyard space ready for your vision—whether it’s morning coffee in the sun, weekend gatherings, or creating your own outdoor oasis. Centrally located near schools, local dining, shopping, and public transit, this home offers both convenience and opportunity.

Mortgage Calculator

Est. Monthly Payment

$4,120

Principal & Interest$3,282
Property Tax$649
Insurance$189
%($129,800)
%

Location

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Investment Score

58B
Est. Monthly Rent
$3,460
Monthly Cashflow

Rent − PITIA

$-660
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,996

Mortgage (P+I)
$3,282
Cap Rate
2.38%
Cash-on-Cash
-18.46%
DSCR

Need ≥ 1.25 for DSCR loan

0.84
Break-even Rent
$6,053

NOI (Annual)
$15,424
Price-to-Rent

Lower = better for investors

15.6

* 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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