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4502 Vista St, San Diego, CA, 92116

3beds
3baths
1,492sqft
$1,399,000
$938price/sqft
$9,205/moest. monthly cost
$368,200/yrincome needed

About This Home

This beautifully reimagined one-story Minimal Traditional single family residence blends timeless character with thoughtful modern enhancements. A well-designed addition—featuring a spacious Master Suite, expanded dining area and powder room—introduces abundant natural light and a seamless circular flow throughout the home. Set back on a sunny corner lot just south of Adams Avenue, this unexpected gem is filled with warmth and comfort at every turn. Indoor and outdoor zen living come together effortlessly, with inviting spaces that open to a private backyard retreat—perfect for al fresco dining, quiet relaxation, or entertaining guests. The open-concept kitchen and dining area serve as the heart of the home, while bedroom three offers ideal flexibility as a home office or creative space. A two-car garage provides everyday convenience, complemented by paid-off solar and an EV charger for energy efficiency without compromise. Easy-care landscaping allows you to spend more time enjoying the property and less time maintaining it. All of this, just a short stroll to Kensington’s charming village of shops, cafés, and local favorites—with quick freeway access that keeps the rest of San Diego within easy reach. Welcome to Kensington—where a charming 1945 home, walkable living, and effortless indoor/outdoor flow come together. Very well-maintained and set back on a corner lot just south of Adams, this light-filled residence offers a warm, inviting feel and a layout made for everyday comfort. Host with ease in the open kitchen and dining area, then head outside to your private backyard oasis with space to entertain, unwind, and enjoy San Diego evenings—made even better by easy-care landscaping. Need to work from home? Bedroom 3 makes an ideal office—better yet, take your laptop outdoors. You’ll also appreciate the paid-off solar and EV charger, plus a two-car garage. Walk to Kensington’s restaurants and services, this home makes it easy to love where you live.

Getting Around

87
WalkingVery Walkable
52
TransitGood Transit
68
BikeBikeable

Schools

5/10
3/10
Wilson Middle SchoolGrades 6-80.6 mi
4/10
Hoover High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1945

Materials

  • Roof: Composition
  • Construction materials: Stucco,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Garage Door Opener,Microwave,Range/Oven,Refrigerator,Shed(s),Solar Panels,Washer
  • Laundry features: Gas

Bedrooms & Bathrooms

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

Heating & Cooling

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

Interior Area

  • Total structure area: 1,492
  • Total interior livable area: 1,492 sqft

Property

Details

  • Parcel number: 4654102400
  • Zoning: R-1:SINGLE
  • Zoning description: R-1:SINGLE

Features

  • Levels: 1 Story
  • Stories: 1
  • Pool features: N/K
  • Fencing: Partial

Lot

  • Lot size: 5,662 sqft

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
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 $7,074$84,888
Home Insurance *$223$2,676
Property Taxes $1,510$18,120
Electricity $398$4,786
Total$9,205$110,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$315,600/yr
40% on housing$276,150/yr
45% on housing$245,466/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

$938This listing

vs Other Active Listings

Avg $/sqft

ZIP 92116$626
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)

Price History

DateEventPrice
2026-04-06Price change$1,539,000
2026-03-11Listed for sale$1,599,000
2022-03-22Sold$1,350,000
2022-03-01Pending sale$1,195,000
2022-02-24Listed for sale$1,195,000
1998-09-24Sold$168,000

For Sale by Agent

AgentTamara Zyhylij
BrokerageTamara Z Real Estate

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