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3515 Union St, San Diego, CA, 92103

4beds
4baths
4,600sqft
$4,499,000
$978price/sqft
$29,154/moest. monthly cost
$1,166,160/yrincome needed

About This Home

Welcome to 3515 Union Street, a stunning architectural residence in the heart of Mission Hills, one of San Diego’s most coveted neighborhoods. Spanning approximately 4,600 square feet, this exceptional 4-bedroom, 3.5-bath home offers an elevated living experience defined by scale, light, and breathtaking views. Step inside to soaring 20-foot ceilings that create a dramatic first impression, complemented by expansive windows that flood the home with natural light and frame sweeping views of the city and beyond. The open-concept layout is both grand and inviting, designed for seamless entertaining and comfortable everyday living. The chef’s kitchen flows effortlessly into the main living and dining areas, while multiple indoor-outdoor transitions allow you to fully enjoy Southern California living. Spacious bedrooms provide privacy and comfort, with a luxurious primary suite that serves as a true retreat. Set on a prime street in Mission Hills, this home combines tranquility with convenience—just minutes from top dining, boutique shopping, downtown, and the airport. The neighborhood’s timeless charm, tree-lined streets, and prestigious reputation make it one of San Diego’s most desirable places to call home. With its rare size, volume, and view orientation, 3515 Union Street presents a unique opportunity to own a standout property in a premier location.

Getting Around

62
WalkingSomewhat Walkable
58
TransitGood Transit
35
BikeSomewhat Bikeable

Schools

7/10
Grant K-8Grades K-80.6 mi
6/10
San Diego High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Rock/Gravel,Flat Tile
  • Construction materials: Stone,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Range/Oven,Refrigerator,Washer,Water Filtration,Water Softener,6 Burner Stove,Freezer,Gas Oven,Gas Range,Water Purifier
  • Laundry features: Gas

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Other/Remarks
  • Number of fireplaces: 4
  • Fireplace features: FP in Dining Room,FP in Family Room,FP in Living Room,FP in Primary BR,Patio/Outdoors,Bath

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 4,600
  • Total interior livable area: 4,600 sqft

Property

Details

  • Parcel number: 4514611400

Features

  • Levels: 2 Story
  • Pool features: N/K
  • Fencing: N/K
  • Frontage type: Bay,Ocean/Bluff

Parking

  • Total spaces: 4
  • Parking features: Attached,Tandem
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • 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 $22,749$272,988
Home Insurance *$610$7,320
Property Taxes $4,809$57,708
Electricity $986$11,836
Total$29,154$349,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$999,565/yr
40% on housing$874,620/yr
45% on housing$777,440/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

$978This listing

vs Other Active Listings

Avg $/sqft

ZIP 92103$732
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92103$928
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
2026-05-11Price change$4,499,000
2026-01-16Listing removed$11,000
2025-10-28Price change$11,000
2025-10-08Listed for rent$12,000
2025-08-31Listing removed$12,000
2025-07-18Price change$12,000
2025-06-28Price change$12,200
2025-05-14Listed for rent$12,500
2025-04-28Listing removed$12,500
2025-04-11Listed for sale$4,395,000
2025-03-24Price change$12,500
2025-03-18Listed for rent$13,000
2025-02-10Listing removed$15,500
2025-01-17Listed for rent$15,500
2024-12-19Listing removed$16,500
2024-12-04Listed for rent$17,500
2022-09-06Listing removed--
2022-08-06Listed for rent$32,000
2021-05-22Listing removed--
2021-05-21Listed for sale$2,495,000
2021-05-18Sold$2,305,000
2021-02-23Pending sale$2,495,000
2021-01-18Listed for sale$2,495,000
2015-08-02Listing removed$2,495,000
2015-02-09Listed for sale$2,495,000
2012-10-11Sold$1,300,000
2010-03-25Sold$901,000
2009-12-08Sold$912,500
2000-01-10Sold$215,000
1998-04-22Sold$162,500

For Sale by Agent

AgentLaura Ann Valente
BrokerageThe Agency

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