4875 Cole St

San Diego, CA 92117

$490,000

Beds

Baths

1.5

Sqft

952

Year Built

1974

Days on Market

Property Type

Condo

HOA/mo

$500

MLS ID

260006699SD

🏠 Virtual Tour View on MLS

Description

The only 3-bedroom condo below $500k in Clairemont. Move-in ready, top floor home. Sunny and bright with south-facing windows that capture the coastal breeze and open views. Fresh paint, wood-style laminate floors, granite counters. Conveniently located within minutes to schools, parks, restaurants, shopping malls. Easy access to freeways. 10 min to UTC, UCSD, hospitals. 16 min to La Jolla shores.

Mortgage Calculator

Est. Monthly Payment

$3,611

Principal & Interest$2,478

Property Tax$490

Insurance$143

HOA$500

Down Payment

%($98,000)

Interest Rate

Loan Term

Comparable Properties

5 comps found

This Property

$3,373

Comp Average

$2,617

4099 Huerfano Ave

2bd / 1ba · 784 sqft · Condo

$500K

Est. $2,934/mo

5252 Balboa Arms Dr

2bd / 2ba · 782 sqft · Townhouse

$525K

Est. $2,670/mo

5252 Balboa Arms

2bd / 2ba · 768 sqft · Condo

$568K

Est. $2,670/mo

2959 Cowley Way

2bd / 2ba · 948 sqft · Condo

$579K

Est. $2,812/mo

4885 Cole St

2bd / 1.5ba · 870 sqft · Condo

$465K

Est. $1,999/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

Est. Monthly Rent

$3,373

Monthly Cashflow

Rent − PITI − HOA

$-238

Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,422

Mortgage (P+I)

$2,478

Cap Rate

2.59%

Cash-on-Cash

-17.41%

DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.93

Break-even Rent

$5,220

NOI (Annual)

$12,671

Price-to-Rent

Lower = better for investors

12.1

* 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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