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5634 Michael St, San Diego, CA, 92105

2beds
1baths
780sqft
$695,000
$891price/sqft
$4,855/moest. monthly cost
$194,200/yrincome needed

About This Home

Don't miss this charming 2-Bedroom Home in Central San Diego. Welcome to your new cozy haven! This delightful two-bedroom, one-bathroom home comes with a one-car garage and driveway witch can be converted to additional bedroom. The property features newer kitchen appliances, washer / dryer, windows and a freshly painted interior. Spacious front and backyard, with beautiful lemon and loquat trees, plus a mandarin tree, and a conversation pit giving it a lovely, homey feel. Location is key! You're just 10 minutes from Snapdragon Stadium, 15 minutes from downtown San Diego and Old Town, and about 20 minutes from Mission Beach. Plus, you'll be in a vibrant area with easy access to a variety of local restaurants. Don’t miss out on this perfect blend of charm, comfort and convenience!

Getting Around

46
WalkingCar-Dependent
48
TransitSome Transit
17
BikeSomewhat Bikeable

Schools

3/10
Carver Elementary SchoolGrades K-50.4 mi
5/10
Mann Middle SchoolGrades 6-80.9 mi
4/10
Crawford High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1951

Materials

  • Roof: Asbestos Shingle
  • Construction materials: Wood/Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Counter Top,Dishwasher,Disposal,Electric Oven,Energy Star Appliances,Gas Cooking
  • Laundry features: Electric,Gas

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Wall/Gravity
  • Cooling features: Attic Fan

Interior Area

  • Total structure area: 780
  • Total interior livable area: 780 sqft

Property

Details

  • Parcel number: 4771511000
  • Zoning: R-1:SINGLE
  • Zoning description: R-1:SINGLE

Features

  • Levels: 1 Story
  • Pool features: N/K
  • Fencing: Chain Link,Full,Gate,Stucco Wall,Wood

Lot

  • Lot size: 5,227 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
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 $3,514$42,168
Home Insurance *$106$1,272
Property Taxes $837$10,044
Electricity $398$4,786
Total$4,855$58,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,457/yr
40% on housing$145,650/yr
45% on housing$129,466/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

$891This listing

vs Other Active Listings

Avg $/sqft

ZIP 92105$427
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92105$612
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
2026-07-13Price change$695,000
2026-06-30Listed for sale$705,000
2010-08-05Sold$360,824
2010-04-07Listed for sale$180,000
2004-09-20Sold$385,000
2000-03-28Sold$125,000

For Sale by Agent

AgentPeter Arcidiacono
BrokerageLa Jolla Realty Concepts

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