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1953 Emerald St, San Diego, CA, 92109

5beds
4baths
2,556sqft
$3,995,000
$1,563price/sqft
$25,407/moest. monthly cost
$1,016,280/yrincome needed

About This Home

Exceptional Pacific Beach residence and/or investment opportunity just blocks from the sand! This unique property features a beautifully upgraded 5-bedroom, 3-bath main residence plus four newly built (2025) 1-bedroom, 1-bath ADUs, offering the perfect blend of coastal living and strong rental income. The main home is fully of upgrades, an open-concept floor plan, a lower-level game room, and a private outdoor hot tub—ideal for entertaining or relaxing after a day at the beach. Currently operating as a successful Airbnb, the home can be sold fully furnished, creating a true turnkey opportunity. Situated behind the main residence is a separate building with four modern ADUs, each offering approximately 328 sq. ft and on their own electric meters. Built in 2025, each unit is currently rented for $2,500 per month, providing immediate and reliable cash flow. Enjoy easy access to the beach, restaurants, shopping, and everything Pacific Beach has to offer. Exceptional Pacific Beach residence and/or investment opportunity just blocks from the sand! This unique property features a beautifully upgraded 5-bedroom, 3-bath main residence plus four newly built (2025) 1-bedroom, 1-bath ADUs, offering the perfect blend of coastal living and strong rental income. The main home is fully of upgrades, an open-concept floor plan, a lower-level game room, and a private outdoor hot tub—ideal for entertaining or relaxing after a day at the beach. Currently operating as a successful Airbnb, the home can be sold fully furnished, creating a true turnkey opportunity. Situated behind the main residence is a separate building with four modern ADUs, each offering approximately 328 sq. ft and on their own electric meters. Built in 2025, each unit is currently rented for $2,500 per month, providing immediate and reliable cash flow. Enjoy easy access to the beach, restaurants, shopping, and everything Pacific Beach has to offer.

Getting Around

89
WalkingVery Walkable
44
TransitSome Transit
56
BikeBikeable

Schools

9/10
10/10
9/10
Mission Bay High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1952

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Washer,Gas Stove
  • Laundry features: Electric,Gas

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 2,556
  • Total interior livable area: 2,556 sqft

Property

Details

  • Parcel number: 4165320500
  • Zoning: R-3:RESTRI
  • Zoning description: R-3:RESTRI

Features

  • Levels: 3 Story
  • Pool features: N/K
  • Spa features: Above Ground
  • Fencing: Partial

Lot

  • Lot size: 6,534 sqft

Parking

  • Total spaces: 8
  • Parking features: None Known

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Wildfire

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $20,200$242,400
Home Insurance *$359$4,308
Property Taxes $4,300$51,600
Electricity $548$6,577
Total$25,407$304,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$871,097/yr
40% on housing$762,210/yr
45% on housing$677,520/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,563This listing

vs Other Active Listings

Avg $/sqft

ZIP 92109$1,003
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92109$1,129
San Diego County$576

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-08Listed for sale$3,995,000
2021-09-27Sold$1,400,000

For Sale by Agent

AgentSeth A Boisvert
BrokerageTXR Homes, Inc.

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