4975 Whipple Way

4975 Whipple Way

D

San Diego, CA 92122

$1,350,000
NEW — 4d on market

Soft Appraisal Value: $1,325,200 · 1.9% above estimate

Beds

3

Baths

2

Sqft

1,204

Year Built

1966

Days on Market

4

Property Type

Single Family

HOA/mo

N/A

MLS ID

260006918SD

Description

Tucked away on a quiet cul-de-sac in desirable University City, this 3-bed, 2-bath home sits on an expansive and rare 13,900 sq ft double lot—offering endless possibilities. What truly sets this property apart is that the oversized lot is not just large, but highly usable, providing a versatile outdoor space that’s hard to find in the area. The grounds are beautifully enhanced by mature trees, along with a variety of fruit trees including lemon and cherry, complemented by several vibrant flowering plants. Lush hedging frames both the front and backyard, creating a sense of privacy while adding to the property’s natural charm. The generous backyard offers incredible potential for an ADU, with room to create a separate entrance. The spacious, fully fenced front yard adds even more functional outdoor space, perfect for entertaining, gardening, or simply enjoying the privacy and openness. Whether you’re looking to move right in, expand, or build additional units, this property delivers a unique combination of location, lot size, and opportunity in one of San Diego’s most sought-after neighborhoods. Lush hedging frames both the front and backyard, creating a sense of privacy while adding to the property’s natural charm. The generous backyard offers incredible potential for an ADU, with room to create a separate entrance. The spacious, fully fenced front yard adds even more functional outdoor space, perfect for entertaining, gardening, or simply enjoying the privacy and openness. Whether you’re looking to move right in, expand, or build additional units, this property delivers a unique combination of location, lot size, and opportunity in one of San Diego’s most sought-after neighborhoods.

Mortgage Calculator

Est. Monthly Payment

$8,570

Principal & Interest$6,826
Property Tax$1,350
Insurance$394
%($270,000)
%

Investment Score

2D
Est. Monthly Rent
$4,800
Monthly Cashflow

Rent − PITI − HOA

$-3,770
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,999

Mortgage (P+I)
$6,826
Cap Rate
0.74%
Cash-on-Cash
-26.66%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.56
Break-even Rent
$12,591

NOI (Annual)
$9,924
Price-to-Rent

Lower = better for investors

23.4

* 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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