5027 Santa Monica Avenue

5027 Santa Monica Avenue

D

San Diego, CA 92107

$1,170,000

Beds

3

Baths

2

Sqft

1,333

Year Built

1989

Days on Market

22

Property Type

Townhouse

HOA/mo

$468

MLS ID

PTP2601027

Description

Live at the beach just one block from the sand in the heart of the Ocean Beach neighborhood. This modern coastal end unit captures the essence of relaxed beach living, blending clean contemporary design with warm, natural finishes. Natural wood floors, skylights above the stairwell and primary bath, and an open living concept fill the home with light and flow. The main living area and primary suite both enjoy water views, reinforcing a strong connection to the coast. With an airy atmosphere throughout and only one shared wall, this end-unit residence offers enhanced privacy while maintaining a vibrant, beach-forward energy. The remodeled kitchen serves as the centerpiece of the home, featuring modern finishes and a rare dual-dishwasher perfect for entertaining or effortless daily living. The home offers over 1,300 square feet of living space, two tandem off-street parking spaces, and a Walk Score of 93, placing shops, dining, coffee, and the beach all within easy reach. Ocean Beach Elementary is highly regarded, earning an A rating on Niche and a 10 on GreatSchools. A rare opportunity to combine true beach proximity, thoughtful design, and everyday functionality in one of San Diego’s most sought-after coastal communities.

Mortgage Calculator

Est. Monthly Payment

$7,895

Principal & Interest$5,916
Property Tax$1,170
Insurance$341
HOA$468
%($234,000)
%

Investment Score

6D
Est. Monthly Rent

Market Rent Estimate

$5,145
Monthly Cashflow

Rent − PITI − HOA

$-2,750
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,909

Mortgage (P+I)
$5,916
Cap Rate
1.03%
Cash-on-Cash
-14.10%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.87
Break-even Rent
$7,895

NOI (Annual)
$12,092
Price-to-Rent

Lower = better for investors

19.0

* Defaults: 20% down, 6.5% rate, 30yr.

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