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290 35th St, San Diego, CA, 92102

3beds
3baths
0sqft
$650,000
--price/sqft
$4,147/moest. monthly cost
$165,880/yrincome needed

About This Home

DUPLEX OPPORTUNITY! Rare value-add and development opportunity in one of San Diego’s rapidly growing urban neighborhoods. Situated on a R-2 zoned lot, this property offers exceptional upside potential for investors, developers, or owner-occupants seeking long-term value and income growth. The property’s flexible zoning allows multiple by-right development options, including the potential to add 2 additional dwelling units, creating a compelling opportunity for expanded rental income and future appreciation. The existing duplex requires renovation, making it ideal for a value-add repositioning, house-hack investment, or long-term redevelopment strategy in the high-demand 92102 market. With increasing rental demand, rising neighborhood values, and strong multifamily comparable sales nearby, this property presents an attractive opportunity to acquire a centrally located San Diego asset with ADU potential and significant upside at pricing difficult to replicate below today’s replacement costs.

Getting Around

47
WalkingCar-Dependent
50
TransitGood Transit
28
BikeSomewhat Bikeable

Schools

5/10
2/10
4/10
Lincoln High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2020

Materials

  • Roof: Other/Remarks
  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: N/K

Interior Area

  • Total structure area: 1,450

Property

Details

  • Parcel number: 5453400500
  • Zoning: R-2
  • Zoning description: R-2
  • Special condition: Probate Listing,Third Party Approval

Features

  • Levels: Split Level
  • Fencing: Gate

Lot

  • Lot size: 5,282 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 $3,286$39,432
Home Insurance *$101$1,212
Property Taxes $362$4,344
Electricity $398$4,786
Total$4,147$49,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,182/yr
40% on housing$124,410/yr
45% on housing$110,586/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 92102$507
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92102$792
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
2026-06-21Price change$650,000
2026-05-21Listed for sale$675,000

For Sale by Agent

AgentGuillermo Carrillo
BrokerageeXp Realty of California, Inc.

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