645 Front St San Diego

645 Front St San Diego

D

, CA 92101

$5,250,000

Beds

3

Baths

4

Sqft

4,455

Year Built

2003

Days on Market

25

Property Type

Condo

HOA/mo

$1,929.6

MLS ID

260003006SD

Description

Welcome to Renaissance Penthouse Residence 2204, a recently renovated, top-floor, two-story home occupying the entire southern half of the building with over 2,400 sq. ft of private outdoor living space. This rare residence offers sweeping views with mountains to the east, Downtown and Coronado to the south, and expansive bay and ocean views to the west. Recent renovations include wide plank luxury vinyl flooring throughout the main living areas, plush new carpeting in the primary suite and office, smooth-finished walls, fresh paint, custom drapery, upgraded hardware, and a redesigned powder room. The home features multiple living and entertaining spaces, including formal living and dining areas, a family room with an Onyx stone wet bar and fireplace, a private office, and a 6-zone Sonos sound system. There is also the option to install an elevator. The primary suite offers a massive walk-in closet, a dedicated vanity area, and a spacious two-person shower. The kitchen is finished with Taj Mahal quartzite countertops and full-height backsplashes, a Wolf gas range, dual Sub-Zero frig/freezers, 2 sinks, and 2 dishwashers. Additional highlights include custom railings by artist Linda Joanoue, 3 hand-blown, Chihuly-inspired glass chandeliers, and a temperature-controlled 300+ bottle wine refrigerator. Designed for entertaining, this home can comfortably host over 150 guests. Offered with 3 parking spaces and 3 large storage lockers, this penthouse presents a rare opportunity to own a one-of-a-kind residence in the heart of Downtown.

Mortgage Calculator

Est. Monthly Payment

$35,258

Principal & Interest$26,547
Property Tax$5,250
Insurance$1,531
HOA$1,930
%($1,050,000)
%

Investment Score

0D
Est. Monthly Rent

Market Rent Estimate

$6,451
Monthly Cashflow

Rent − PITI − HOA

$-28,806
Full Cashflow

Incl. vacancy, PM, maint, capex

$-34,665

Mortgage (P+I)
$26,547
Cap Rate
-1.86%
Cash-on-Cash
-32.92%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.24
Break-even Rent
$35,257

NOI (Annual)
$-97,420
Price-to-Rent

Lower = better for investors

67.8

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

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