637 19th Street

637 19th Street

D

San Diego, CA 92102

$995,000
NEW — 1d on market

Beds

4

Baths

3.5

Sqft

1,727

Year Built

1895

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260006858SD

Description

637 19th St is a beautiful Victorian home believed to date back to 1895. Boasting 4 bedrooms, 3.5 baths, and 1,727 sq. ft., PLUS a 2-bedroom, 1-bath, 1,009 sq. ft. basement apartment (not included on MLS square footage). Currently generating $5,000/month in gross income, this property blends historic charm with thoughtful updates. The fully fenced property consists of a main home featuring a stunning granite and stainless kitchen with center island, vent hood, vaulted ceilings, and exposed beams. The versatile floor plan includes separate living and dining rooms with wood floors, abundant natural light, and updated bathrooms. The backyard provides additional outdoor living space. The basement apartment offers a private entrance, its own outdoor space, high ceilings, recessed lighting, and ceiling fans. The main house includes recently updated central heating and air conditioning, along with in-unit laundry hookups. Utilities are shared. Additional highlights include a 2-car garage with extra storage, private basement storage, a deck above the garage, front patio, and a rooftop deck (ladder access) with views of the Downtown skyline and Coronado Bay Bridge Sherman Heights is a historic San Diego neighborhood known for its character architecture, wide streets, and convenient proximity to Downtown San Diego, Balboa Park, and the San Diego Zoo. This location offers easy access to I-5, I-15, Hwy 94, and Hwy 163, and is within approximately 15 minutes of San Diego International Airport, Santa Fe Depot, bus lines, the San Diego Trolley, and the U.S.-Mexico border. Property to be shown with accepted offer only. Please do not disturb tenants.

Mortgage Calculator

Est. Monthly Payment

$6,316

Principal & Interest$5,031
Property Tax$995
Insurance$290
%($199,000)
%

Investment Score

10D
Est. Monthly Rent
$4,551
Monthly Cashflow

Rent − PITI − HOA

$-1,765
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,641

Mortgage (P+I)
$5,031
Cap Rate
1.68%
Cash-on-Cash
-10.64%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.72
Break-even Rent
$6,316

NOI (Annual)
$16,681
Price-to-Rent

Lower = better for investors

18.2

* 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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