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809-11 Santa Clara Pl, San Diego, CA, 92109

4beds
3baths
0sqft
$1,850,000
--price/sqft
$11,952/moest. monthly cost
$478,080/yrincome needed

About This Home

Ideal location steps to ocean, bay, restaurants, shopping and endless coastal recreation. Lower unit is a 970 s.f. 2BR/1BA featuring 2 car garage off alley, fireplace and washer/dryer. Upper unit is a 935 s.f. 2BR/2BA featuring 2 front parking spots, 2 masters suites and spacious private rooftop deck perfect for enjoying ocean view and sunsets. Ideal as an income producing investment, vacation retreat or primary residence while enjoying iconic Mission Beach. Purchase these two units on one lot and start enjoying Mission Beach’s most desirable characteristics featuring beautiful beach and excellent weather. Projected rents are $4,500 and $4,000 to total $8,500.

Getting Around

81
WalkingVery Walkable
32
TransitSome Transit
70
BikeVery Bikeable

Schools

10/10
9/10
Mission Bay High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1960

Materials

  • Roof: Composition
  • Construction materials: Stucco,Wood,Wood/Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Heating & Cooling

  • Heating features: Fireplace,N/K
  • Cooling features: N/K

Interior Area

  • Total structure area: 1,905

Property

Details

  • Parcel number: 4235960300
  • Zoning: R-4
  • Zoning description: R-4

Features

  • Levels: 2 Story
  • Pool features: N/K
  • Spa features: N/K
  • Fencing: Gate,Partial
  • Has view: Yes
  • View description: Bay,Ocean
  • Has water view: Yes
  • Water view: Bay,Ocean
  • Frontage type: N/K

Lot

  • Lot size: 2,471 sqft
  • Lot size dimensions: 27 x 93

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Inland Flooding
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 $9,354$112,248
Home Insurance *$166$1,992
Property Taxes $2,034$24,408
Electricity $398$4,786
Total$11,952$143,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$409,782/yr
40% on housing$358,560/yr
45% on housing$318,720/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 92109$1,009
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
2026-07-25Price change$1,850,000
2026-06-30Listed for sale$1,925,000
1998-04-16Sold$270,000

For Sale by Agent

AgentBob Bruce
BrokerageDunn, REALTORS/Park Pacific

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