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500 Harbor Dr. #504
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500 Harbor Dr. #504

Ctop 80%

San Diego, CA 92101

$899,000
STR-eligible · San Diego Tier 3 · TOT 13.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

89 licensed short-term rentals within ½ mile (77 whole home), from the cities' license and permit lists of Nov 4, 2026.

1 short-term rental license on file in this 48-unit complex, so its HOA has allowed them. Confirm in the CC&Rs: an HOA can ban stays under 30 days (Civ. Code §4741).

Pass at asking: -$4,531/mo full cashflow at 20% down, 7.49% rate.

Works at $311,499 (65% under asking), or at 93% down.

Rent $4,700/mo from 7 leases in this building ($4,416–$4,729).

Beds

2

Baths

2

Sqft

1,184

Year Built

1994

Days on Market

46

Property Type

Condo

HOA/mo

$1,216.19

MLS ID

260022921SD

This property is in San Diego (92101). View neighborhood stats →

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About This Property

Live in the heart of the Marina District at CityFront Terrace. Located on the 5th floor, this residence offers a desirable split-bedroom floor plan, open- concept kitchen, stainless steel appliances, gas cooktop, walk-in closet, custom built-ins in the primary suite, and dynamic city views. Residents enjoy resort-style amenities including a pool, spa, fire pit, BBQ grills, fitness center with separate cardio room, social lounge, business center, valet parking, and 24-hour lobby attendant.

Mortgage Calculator

Est. Monthly Payment

$7,401

Principal & Interest$5,024
Property Tax$899
Insurance$262
HOA$1,216
%($179,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Washington Elementary · grades PK-5 · San Diego Unified

  • Middle

    Roosevelt International Middle · grades 6-8 · San Diego Unified

  • High

    San Diego High · grades 9-12 · San Diego Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Comparable Properties

5 comps found

This Property

$4,700

vs

Comp Average

$4,689

510 1st Ave

510 1st Ave

2bd / 2ba · 1,209 sqft · Condo

$825K

Est. $6,076/mo

500 Harbor

500 Harbor

2bd / 2ba · 1,184 sqft · Condo

$919K

Est. $4,700/mo

325 7th Avenue

325 7th Avenue

2bd / 2ba · 1,180 sqft · Condo

$850K

Est. $4,587/mo

1025 Island Ave

1025 Island Ave

2bd / 2ba · 1,217 sqft · Condo

$915K

Est. $3,985/mo

1431 Pacific Hwy

1431 Pacific Hwy

2bd / 2ba · 1,192 sqft · Condo

$875K

Est. $4,097/mo

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

Investment Score

14C
Est. Monthly Rent
$4,700

7 leases in this building · $4,416–$4,729

Monthly Cashflow

Rent − PITIA

-$2,701
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,531

What would make this work?

$4,531/mo short at 20% down; 93% down or +$5,885/mo rent closes it.

Break-even price

65% under asking

$311,499
Break-even rent

$5,885/mo above the estimate

$10,585/mo
Cashflow at 35% down
−$3,589/mo
Down payment to break even

$836,070 cash

93%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$5,024
Cap Rate
0.97%
Cash-on-Cash
-30.24%
DSCR

Need ≥ 1.25 for DSCR loan

0.64
NOI (Annual)
$8,732
Price-to-Rent

Lower = better for investors

15.9

* Modelled at 20% down, 7.49% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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CCashflow−$4,531/mo