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4825 W Point Loma Blvd, San Diego, CA, 92107

4beds
2baths
0sqft
$1,695,000
--price/sqft
$10,955/moest. monthly cost
$438,200/yrincome needed

About This Home

Own a Piece of Ocean Beach — Iconic Cottage Lifestyle, Turnkey Income, Steps to the Sand 4 BD / 2 BA / 2 Kitchens | 1,368 Sq Ft | R-4 Lot | No HOA · No Mello Roos · No CCR’s. This is Ocean Beach at its most authentic. Sun-bleached sidewalks, salt air, surf culture, and the kind of tight-knit neighborhood energy that San Diego built its legend on. 4825 W. Point Loma Blvd sits right in the middle of it all — a charming coastal duplex that embodies the iconic OB cottage lifestyle while delivering a fully operational, dual-income investment from day one. Both units carry that irresistible beachy-cottage character that draws visitors and long-term renters to Ocean Beach year after year. And both are completely furnished and turnkey — no staging, no shopping, no waiting. Walk in, hand over the keys, and start collecting. Unit Two is home to a steady full-time tenant, providing the kind of reliable monthly income that anchors any investment. Unit One is an actively producing Airbnb, already tapped into the endless wave of guests who flock to OB for Dog Beach, Robb Field, Sunset Cliffs, the Newport Avenue antique strip, and the best fish tacos in San Diego. Each unit has its own private entrance — One off W. Point Loma Blvd, the other off Locust — giving every occupant their own sense of home. This is the rare asset that lets you have it all: a piece of one of California’s most beloved coastal communities, a property with genuine soul and character, and an income engine that runs itself. This is Ocean Beach at its most authentic. Sun-bleached sidewalks, salt air, surf culture, and the kind of tight-knit neighborhood energy that San Diego built its legend on. 4825 W. Point Loma Blvd sits right in the middle of it all — a charming coastal duplex that embodies the iconic OB cottage lifestyle while delivering a fully operational, dual-income investment from day one. Both units carry that irresistible beachy-cottage character that draws visitors and long-term renters to Ocean Beach year after year. And both are completely furnished and turnkey — no staging, no shopping, no waiting. Walk in, hand over the keys, and start collecting. Unit one is home to a steady full-time tenant, providing the kind of reliable monthly income that anchors any investment. Unit two is an actively producing Airbnb, already tapped into the endless wave of guests who flock to OB for Dog Beach, Robb Field, Sunset Cliffs, the Newport Avenue antique strip, and the best fish tacos in San Diego. Each unit has its own private entrance — one off W. Point Loma Blvd, the other off Locust — giving every occupant their own sense of home. This is the rare asset that lets you have it all: a piece of one of California’s most beloved coastal communities, a property with genuine soul and character, and an income engine that runs itself.

Getting Around

85
WalkingVery Walkable
33
TransitSome Transit
97
BikeBiker's Paradise

Schools

10/10
6/10
Correia Middle SchoolGrades 7-80.7 mi
9/10
Point Loma High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1980

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 1,400

Property

Details

  • Parcel number: 4483311000
  • Zoning: R-4:MULTIP
  • Zoning description: R-4:MULTIP

Features

  • Levels: 1 Story
  • Fencing: Partial
  • Has view: Yes
  • View description: Bay,Greenbelt,Ocean
  • Has water view: Yes
  • Water view: Bay,Ocean

Lot

  • Lot size: 3,484 sqft

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 $8,570$102,840
Home Insurance *$151$1,812
Property Taxes $1,836$22,032
Electricity $398$4,786
Total$10,955$131,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$375,600/yr
40% on housing$328,650/yr
45% on housing$292,133/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 92107$883
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92107$1,018
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
2026-05-14Listing removed$8,300
2026-04-23Listed for rent$8,300
2026-04-02Listed for sale$1,800,000
2024-12-24Sold$1,525,000
2024-10-03Pending sale$1,599,999
2024-09-03Listed for sale$1,599,999
2021-09-17Sold$1,275,000
2021-08-31Pending sale$995,000
2021-08-01Listed for sale$995,000
2013-06-06Sold$652,000
2013-04-03Price change$660,000
2013-02-26Listed for sale$665,000
2012-12-04Sold$474,000
2012-10-24Price change$474,000
2012-09-14Price change$499,000
2012-08-27Price change$524,000
2012-08-08Listed for sale$549,900

For Sale by Agent

AgentJose Del Rosario
BrokerageDel Rosario Realty

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