4928 Monroe Avenue

4928 Monroe Avenue

D

San Diego, CA 92115

$989,000
NEW — 0d on market

Beds

2

Baths

2

Sqft

923

Year Built

1936

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2602954

Description

Freshly Updated Talmadge Bungalow with Style, Privacy, and ADU Potential This inviting Talmadge bungalow blends modern updates with timeless charm, offering a bright, welcoming atmosphere and a clean, contemporary aesthetic while maintaining its original warmth and character. The open-concept living and dining areas are filled with natural light and feature original wood floors, refined finishes, and a striking custom-tiled fireplace. The main living spaces have been newly professionally painted, while the kitchen has been refreshed with professionally painted satin white cabinetry, Hi Macs solid surface countertops, a quartz sink, and smart appliances. Additional highlights include Marmoleum flooring in the kitchen, dining, and hallway, newer dual pane windows, a custom primary closet, and a private primary bath. Central AC/heat and solar panels provide year-round comfort and efficiency. Outside, the home offers a flagstone patio, decomposed granite front yard, lush landscaping, and added privacy from the gate and mature hedges. Convenient access from the dining area to the backyard enhances the home’s indoor-outdoor flow for relaxing or entertaining. A detached two-car garage at the rear offers excellent ADU potential for future flexibility or rental income.

Mortgage Calculator

Est. Monthly Payment

$6,278

Principal & Interest$5,001
Property Tax$989
Insurance$288
%($197,800)
%

Investment Score

0D
Est. Monthly Rent
$2,596
Monthly Cashflow

Rent − PITI − HOA

$-3,682
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,103

Mortgage (P+I)
$5,001
Cap Rate
-0.12%
Cash-on-Cash
-30.96%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.41
Break-even Rent
$9,223

NOI (Annual)
$-1,227
Price-to-Rent

Lower = better for investors

31.7

* 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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