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4521 39th St, San Diego, CA, 92116

2beds
1baths
748sqft
$949,000
$1,269price/sqft
$6,423/moest. monthly cost
$256,920/yrincome needed

About This Home

Step into the timeless charm of this beautifully preserved 1928 Craftsman bungalow in the heart of highly sought-after Normal Heights. A classic covered front porch with signature tapered columns welcomes you inside, where rich hardwood floors, original woodwork, built-in cabinetry, and a stunning stone fireplace showcase the home’s authentic character. The light-filled living and dining areas flow effortlessly into an updated galley kitchen featuring abundant cabinetry, generous counter space, and gas cooking, blending vintage craftsmanship with modern convenience. Two spacious bedrooms, a beautifully updated bathroom, full-size side-by-side laundry, and ceiling fans throughout complete this inviting single-level home. The private backyard offers endless possibilities with mature shade trees, a patio for outdoor dining and entertaining, room for gardens or a fire pit, plus a detached storage structure. Alley access provides off-street parking for three vehicles and creates an ideal setup for a potential future ADU with a separate entrance. Zoned RM-1-1, the property offers additional flexibility and long-term potential for homeowners and investors alike. Perfectly situated between Madison and Monroe, you’re just moments from Ward Canyon Park and within walking distance to the vibrant cafés, restaurants, boutiques, and shops of both Normal Heights and Kensington, with convenient freeway access placing the best of San Diego within easy reach.

Getting Around

80
WalkingVery Walkable
50
TransitGood Transit
72
BikeVery Bikeable

Schools

3/10
Wilson Middle SchoolGrades 6-80.4 mi
4/10
Hoover High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Turnkey,Updated/Remodeled
  • Year built: 1928

Materials

  • Roof: Composition
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman/Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Gas Range
  • Laundry features: Electric,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan,Recessed Lighting,Remodeled Kitchen,Shower in Tub
  • Number of fireplaces: 1
  • Fireplace features: FP in Living Room
  • Common walls with other units/homes: Detached

Heating & Cooling

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

Interior Area

  • Total structure area: 748
  • Total interior livable area: 748 sqft

Property

Accessibility

  • Accessibility features: No Interior Steps

Details

  • Parcel number: 4470620800
  • Zoning: R-3:RESTRI
  • Zoning description: R-3:RESTRI

Features

  • Levels: 1 Story
  • Stories: 1
  • Pool features: N/K
  • Patio & porch: Awning/Porch Covered,Patio Open,Porch - Front
  • Fencing: Full
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 3,920 sqft

Parking

  • Total spaces: 2
  • 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 $4,798$57,576
Home Insurance *$151$1,812
Property Taxes $1,076$12,912
Electricity $398$4,786
Total$6,423$77,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$220,217/yr
40% on housing$192,690/yr
45% on housing$171,280/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

$1,269This listing

vs Other Active Listings

Avg $/sqft

ZIP 92116$631
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92116$993
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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$949,000
2026-07-24Listed for sale$949,000
2020-11-05Sold$525,000

For Sale by Agent

AgentMelissa Goldstein Tucci
BrokerageMelissa Goldstein Tucci

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