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4527 Narragansett Ave, San Diego, CA, 92107

5beds
5baths
3,457sqft
$3,799,000
$1,099price/sqft
$24,424/moest. monthly cost
$976,960/yrincome needed

About This Home

Experience coastal living at its finest in this stunning Ocean Beach property, offering breathtaking panoramic ocean and white water views stretching across the coastline, the OB Pier, SeaWorld, Pacific Beach, and all the way to La Jolla. Perfectly positioned just blocks from the sand, this home delivers the ultimate Southern California beach lifestyle. This exceptional residence is equipped with rare and versatile parking options, including a 1-car attached garage, a separate 3-car garage featuring high garage doors with the potential for a 4-car stacking display, and dedicated RV parking—an uncommon find in this coveted beachside community. Step inside to discover a thoughtfully designed interior featuring spacious bedrooms on the first floor, ideal for guests or multi-generational living. A grand staircase leads to the upstairs main living area, where soaring high ceilings create an open, airy feel. The living room features a cozy fireplace, a built-in bar, and expansive windows that perfectly frame the stunning coastline and flood the space with natural light. The open-concept layout seamlessly connects the living, dining, and kitchen areas—perfect for both everyday living and entertaining. The kitchen is a true centerpiece, showcasing nautical-inspired design rich with character and history. It features a large island, custom cabinetry, teak flooring, and top-of-the-line stainless steel appliances, including a GE Monogram refrigerator, Gourmet Wolf stove, Thermador wok, and wine fridge. Retreat to the expansive primary suite, complete with a walk-in closet, a luxurious ensuite bathroom, and direct access to a private deck that leads up to the rooftop. The rooftop deck is an entertainer’s dream—unwind in the jacuzzi while taking in sweeping ocean and city views. Additional highlights include a 1 bed, 1 bath ADU situated above the detached garage—perfect for guests, rental income, or a private office—along with a spacious grassy yard and a covered patio ideal for outdoor living. This is a rare opportunity to own a one-of-a-kind coastal property that combines unmatched views, unique amenities, and timeless character. You won’t want to miss it.

Getting Around

79
WalkingVery Walkable
31
TransitSome Transit
39
BikeSomewhat Bikeable

Schools

10/10
6/10
Correia Middle SchoolGrades 7-80.9 mi
9/10
Point Loma High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1980

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Gas Cooking,Gas Cooktop,Refrigerator
  • Laundry features: Laundry Room

Bathroom

  • Features: Bathtub,Remodeled,Vanity

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Family Room

  • Features: Separate Family Room

Features

  • Balcony,High Ceilings,Open Floorplan,Walk-In Closet(s)
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: None

Interior Area

  • Total interior livable area: 3,457 sqft

Kitchen

  • Features: Kitchen Island,Kitchen/Family Room Combo,Remodeled,Updated Kitchen

Other

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 4486421900
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Front Door
  • Pool features: None
  • Patio & porch: Covered,Deck,Rooftop,Balcony
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Coastline,Ocean,Panoramic
  • Has water view: Yes
  • Water view: Coastline,Ocean

Lot

  • Lot size: 6,969 sqft
  • Features: Back Yard,Front Yard

Parking

  • Total spaces: 4
  • Parking features: Driveway,Garage,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 $19,209$230,508
Home Insurance *$338$4,056
Property Taxes $4,136$49,632
Electricity $741$8,895
Total$24,424$293,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$837,394/yr
40% on housing$732,720/yr
45% on housing$651,306/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

$1,099This listing

vs Other Active Listings

Avg $/sqft

ZIP 92107$880
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)

No zestimate history available

Price History

DateEventPrice
2026-04-29Listed for sale$4,299,000
2026-04-10Listing removed$4,500,000
2026-03-31Listed for sale$4,500,000
2026-03-14Pending sale$4,500,000
2025-11-01Listed for sale$4,500,000
2000-12-22Sold$835,000
1995-05-30Sold$249,000

For Sale by Agent

AgentLyle Caddell
BrokerageCompass

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