
640 Camino De La Reina #1109
DSan Diego, CA 92108
Soft Appraisal Value: $744,300 · 0.6% above estimate
Beds
2
Baths
2.5
Sqft
1,479
Year Built
1995
Days on Market
0
Property Type
Condo
HOA/mo
$750
MLS ID
260008345SD
This property is in San Diego (92108). View neighborhood stats →
About This Property
Welcome to Rio del Oro, one of Mission Valley’s most central and sought-after gated communities. Tucked away in a quiet interior courtyard, Unit #1109 offers a rare 2-bedroom plus office layout that perfectly balances a peaceful retreat with immediate access to two premier malls, fine dining, and the Trolley. **Property has a VA assumable loan at a 5.5% interest rate for qualified buyers.** The main floor is designed for easy living, featuring an updated kitchen with granite counters, stainless steel appliances, and ample cabinet storage that opens to a dedicated dining area. A functional corner fireplace anchors the space between the kitchen and the living room. One of the home's standout features is the private home office, enclosed by a glass French door and fully built out with a custom desk, bookshelves, and storage drawers. From the living area, slide open the doors to an oversized private patio, where the sounds of courtyard fountains and the shade of palms create a resort-like atmosphere. Upstairs, you’ll find two spacious bedrooms, each with its own private bathroom. Both rooms offer direct access to a shared upper balcony, perfect for catching the evening breeze. Life at Rio del Oro feels like a resort, with a pool, hot tub, and gym just steps from your door. Right behind the pool area, you’ll find direct access to the San Diego River Trail, a scenic path that allows joggers and cyclists to travel all the way to Ocean Beach. HOA covers water, sewer, and trash, while the unit includes two assigned corner spots in the parking garage for extra space and easy access. It is a rare find that perfectly combines work-from-home utility with immediate access to San Diego’s best nature trails and urban amenities.
Mortgage Calculator
Est. Monthly Payment
$5,505
Location
Loading map...
Comparable Properties
5 comps foundThis Property
$3,638
Comp Average
$2,101
5922 Rancho Mission Road
2bd / 1ba · 824 sqft · Condo
$460K
Est. $2,466/mo
10699 San Diego Mission Road
2bd / 1ba · 766 sqft · Condo
$465K
Est. $2,476/mo
10300 Caminito Cuervo
1bd / 1.5ba · 908 sqft · Condo
$470K
Est. $2,410/mo
6780 Friars Rd
1bd / 1ba · 664 sqft · Condo
$450K
Est. $2,010/mo
6202 Friars Rd
1bd / 1ba · 661 sqft · Condo
$450K
Est. $1,145/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
Rent − PITIA
Incl. vacancy, PM, maint, capex
⚠️ Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
Get Expert AnalysisOpen Full Calculator