645 Front Street
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645 Front Street #1304

D

San Diego, CA 92101

$975,000
NEW — 2d

Beds

2

Baths

2

Sqft

1,237

Year Built

2003

Days on Market

2

Property Type

Condo

HOA/mo

$1,210

MLS ID

NDP2603810

This property is in San Diego (92101). View neighborhood stats →

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About This Property

Perched high above the Marina District on the 13th floor of the coveted Renaissance, this is a home where downtown living really feels effortless. Northwest-facing and filled with natural light, 1304 captures sweeping views of the city skyline, bay, and those San Diego sunsets that never get old. You will love the open layout, where you can enjoy morning coffee with the windows open, evenings looking at the city lights, and a backdrop that makes even a quiet night in feel elevated. It’s the kind of space that adapts to you, whether you’re hosting friends or just enjoying the calm above the city. The primary suite is private, comfortable, and quietly removed from the main living space—while the second bedroom flexes easily as a guest room, office, or creative space. What makes this opportunity compelling is that the home is in excellent condition and completely livable as-is, yet offers you the chance to update in your own style now, or over time. Two-car tandem parking and a large private storage unit add a level of convenience that’s rare and valuable downtown. At the Renaissance, residents enjoy full-service living with 24-hour security and concierge, resort-style pool and spa, a well-equipped fitness center, and beautifully updated common spaces. Step outside and you’re walking to restaurants, coffee, shopping and entertainment.....Seaport Village, the Rady Shell, Petco Park, Little Italy, and the Gaslamp—yet elevated just enough to feel removed from it all. This is downtown San Diego at its best! Welcome home!

Mortgage Calculator

Est. Monthly Payment

$7,400

Principal & Interest$4,930
Property Tax$975
Insurance$284
HOA$1,210
%($195,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$3,669
Monthly Cashflow

Rent − PITIA

$-3,730
Full Cashflow

Incl. vacancy, PM, maint, capex

$-5,387

Mortgage (P+I)
$4,930
Cap Rate
-0.56%
Cash-on-Cash
-33.15%
DSCR

Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$10,664

NOI (Annual)
$-5,476
Price-to-Rent

Lower = better for investors

22.1

* 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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