500 Harbor #1110
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500 Harbor #1110

Ctop 80%

San Diego, CA 92101

$1,049,000
STR: check · no permits in this complex · TOT 13.75%

89 licensed short-term rentals within ½ mile (77 whole home), from the cities' license and permit lists of Nov 3, 2026.

No unit in this 84-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$5,617/mo full cashflow at 20% down, 7.49% rate.

Works at $320,781 (69% under asking), or at 97% down.

Rent $4,810/mo from 7 leases in this building ($4,519–$4,840).

Beds

2

Baths

2

Sqft

1,240

Year Built

1994

Days on Market

45

Property Type

Condo

HOA/mo

$1,229

MLS ID

NDP2608787

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

Virtual Tour

About This Property

Welcome to City Front Terrace, downtown’s premier resort-style community. Bathed in warmth and coastal light, this home offers spectacular views of San Diego Bay and a blank canvas for your curated design and finishes in an exceptional location. Featuring two spacious suites positioned on opposite sides of the home, this thoughtfully designed floor plan provides flexibility, privacy, and unparalleled views from every room as well as a private balcony. Featuring in-unit laundry and an assigned parking space in the secure underground garage, its location and energy are unsurpassed. Built in 1991 and completed in 1994, CityFront Terrace was integrated with the historic Citrus Soap Factory and became one of the largest brick buildings on the West Coast. Residents enjoy beautifully maintained grounds and resort-style amenities, including a 24-hour front desk, valet parking, libraries, heated lap and recreational swimming pools and spa, sauna, fitness center, Citrus Room, BBQ grills, fire pits, bike storage room, EV charging capability, and more. The Citrus Room, gleaning its name from the Citrus Soap Factory, is a 1600 sf entertainment center with a full kitchen, bar, and 75-inch HDTV with surround sound. Conveniently located in the heart of San Diego, this home lives like a staycation year-round. Walk to fabulous restaurants, shop in Seaport Village, and take the ferry to Coronado~ all are within proximity for your lifestyle. Freeway close and conveniently located near public transportation and the San Diego Airport. Ready for your thoughtful design, this home offers an exceptional opportunity to enjoy everything San Diego has to offer. Home is virtually staged. Welcome Home!

Mortgage Calculator

Est. Monthly Payment

$8,446

Principal & Interest$5,862
Property Tax$1,049
Insurance$306
HOA$1,229
%($209,800)
%
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.

Investment Score

6C
Est. Monthly Rent
$4,810

7 leases in this building · $4,519–$4,840

Monthly Cashflow

Rent − PITIA

-$3,636
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,617

What would make this work?

$5,617/mo short at 20% down; 97% down or +$7,294/mo rent closes it.

Break-even price

69% under asking

$320,781
Break-even rent

$7,294/mo above the estimate

$12,104/mo
Cashflow at 35% down
−$4,517/mo
Down payment to break even

$1,017,530 cash

97%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,862
Cap Rate
0.56%
Cash-on-Cash
-32.13%
DSCR

Need ≥ 1.25 for DSCR loan

0.57

NOI (Annual)
$5,832
Price-to-Rent

Lower = better for investors

18.2

* 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−$5,617/mo