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1278 Pacific Beach Dr Unit 3, San Diego, CA, 92109

2beds
2baths
1,032sqft
$899,900
$872price/sqft
$5,979/moest. monthly cost
$239,160/yrincome needed

About This Home

Dwell West Homes proudly presents Unit 3 at 1278 Pacific Beach Drive — a turnkey coastal condo just steps from Mission Bay and Fanuel Street Park. Located in a well-maintained gated complex, residents enjoy a shared rooftop deck with bay breezes and sunset views, along with the convenience of elevator access. The unit has been fully renovated with a clean, modern design and thoughtful layout. Highlights include a refreshed kitchen with contemporary finishes, updated bathrooms, new flooring throughout, and in-unit laundry hookups for everyday convenience. The home is move-in ready and ideal for low-maintenance coastal living whether you’re looking for a primary residence, second home, or investment (HOA does not currently prohibit short term rentals). Parking is a standout feature, offering a private garage plus an additional parking space — a rare find this close to the bay. Ideally situated within walking distance to Mission Bay, the beach, parks, dining, and shopping, this property delivers an exceptional blend of lifestyle, location, and convenience.

Getting Around

81
WalkingVery Walkable
43
TransitSome Transit
70
BikeVery Bikeable

Schools

5/10
10/10
9/10
Mission Bay High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1974

Materials

  • Roof: Other/Remarks
  • Construction materials: Stucco,Wood/Stucco

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher
  • Laundry features: Electric

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Wall/Gravity
  • Cooling features: N/K

Interior Area

  • Total structure area: 1,032
  • Total interior livable area: 1,032 sqft

Property

Details

  • Parcel number: 4232621403

Features

  • Levels: 1 Story
  • Stories: 3
  • Pool features: N/K
  • Fencing: Gate,Partial

Lot

  • Lot size: 5,662 sqft
  • Lot size dimensions: 50 x 115

Parking

  • Total spaces: 2
  • Parking features: Assigned,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
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 $4,550$54,600
Home Insurance *$80$960
Property Taxes $951$11,412
Electricity $398$4,786
Total$5,979$71,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$204,994/yr
40% on housing$179,370/yr
45% on housing$159,440/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

$872This listing

vs Other Active Listings

Avg $/sqft

ZIP 92109$1,014
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
2026-05-07Listed for sale$949,900
2026-04-21Listing removed$999,000
2026-03-26Price change$999,000
2026-03-12Listed for sale$1,050,000
2026-03-12Listing removed$1,099,000
2026-02-06Listed for sale$1,099,000
2025-12-18Sold$740,000
2025-11-29Pending sale$850,000
2025-11-13Listed for sale$850,000
2002-03-29Sold$282,500

For Sale by Agent

AgentMatthew Tovey
BrokerageBerkshire Hathaway HomeServices California Properties

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