5027 Santa Monica Avenue
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5027 Santa Monica Avenue #F

D

San Diego, CA 92107

$1,100,000

Soft Appraisal Value: $1,078,800 · 2.0% above estimate

Beds

3

Baths

2

Sqft

1,333

Year Built

1989

Days on Market

65

Property Type

Townhouse

HOA/mo

$468

MLS ID

PTP2601027

This property is in San Diego (92107). View neighborhood stats →

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About This Property

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

$7,451

Principal & Interest$5,562
Property Tax$1,100
Insurance$321
HOA$468
%($220,000)
%

Location

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Investment Score

2D
Est. Monthly Rent
$4,521
Monthly Cashflow

Rent − PITIA

$-2,930
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,887

Mortgage (P+I)
$5,562
Cap Rate
0.74%
Cash-on-Cash
-26.65%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.61
Break-even Rent
$10,867

NOI (Annual)
$8,106
Price-to-Rent

Lower = better for investors

20.3

* 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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