510 San Fernando St
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510 San Fernando St

C

San Diego, CA 92106

$5,500,000
NEW — 6d

Soft Appraisal Value: $5,400,200 · 1.8% above estimate

Beds

4

Baths

3

Sqft

3,885

Year Built

1972

Days on Market

6

Property Type

Single Family

HOA/mo

N/A

MLS ID

260015121SD

This property is in San Diego (92106). View neighborhood stats →

Virtual Tour

About This Property

First time on the market… this home and property has been in the same family for 90 years! Designed to capture the love of harbor life and the passion for maritime, where every day begins and ends with the mesmerizing colors of the sunrise and sunset, this custom built home is perched above the street and nestled on 28,000 sf lot of botanical gardens with panoramic views of downtown and San Diego harbor. Enter the foyer that opens to dramatic teak beams and details, picture windows that fill the rooms with natural light, and expansive views of the harbor and city from wrap-around decks, kitchen, dining, living room, game room and primary bedroom. With over 3,800 square feet of living space, this 4 bed + game room home blends sophistication and warmth, creating an ideal setting for family life and entertaining, including a poolside retreat, every space intentionally surrounded by nature. Beyond the home, the vibrant sailing and beach community awaits. Walk or bike to local restaurants, sail the bay, socialize at yacht clubs, catch waves at nearby surf spots, hike Cabrillo National Park, or meet up with neighbors at Kellogg Beach. Welcome home to 510 San Fernando Street, where family legacies are passed down, sailing becomes tradition, and life by the water embodies the soul of San Diego coastal living.

Mortgage Calculator

Est. Monthly Payment

$34,915

Principal & Interest$27,811
Property Tax$5,500
Insurance$1,604
%($1,100,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$9,056
Monthly Cashflow

Rent − PITIA

$-25,859
Full Cashflow

Incl. vacancy, PM, maint, capex

$-32,525

Mortgage (P+I)
$27,811
Cap Rate
-1.03%
Cash-on-Cash
-35.48%
DSCR

Need ≥ 1.25 for DSCR loan

0.26
Break-even Rent
$51,297

NOI (Annual)
$-56,571
Price-to-Rent

Lower = better for investors

50.6

* 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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