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3964 Delta St, San Diego, CA, 92113

5beds
3baths
928sqft
$1,150,000
$1,239price/sqft
$7,759/moest. monthly cost
$310,360/yrincome needed

About This Home

Multi-Unit Opportunity in a Thriving san Diego Neighborhood. Versatile Family Compound perfect for multi-generational living or strong rental income. Live in one unit and rent out the others! Main home offers 3BR/1 Bath, 928 Sq Ft, full of natural light and charm. Attached Junior ADU,230 sq ft features a private entrance, kitchen, and full bath. Detached 1Br/1Bath ADU, 400 sq ft boasts its own front yard, private driveway and rear alley access. Three separate living spaces give you unmatched flexibility. This is a rare chance to own a property with built-in income potential. Paid off SOLAR PANELS. Electric car charger. Don't miss this income producing Gem!

Getting Around

68
WalkingSomewhat Walkable
41
TransitSome Transit
57
BikeBikeable

Schools

3/10
Balboa Elementary SchoolGrades K-50.1 mi
4/10
Knox MiddleGrades 6-81.2 mi
4/10
Lincoln High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1956

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 3
  • Main level bedrooms: 5

Cooling

  • Cooling features: None

Features

  • Fireplace features: Outside
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 928 sqft

Property

Details

  • Parcel number: 5513021800
  • Zoning: R-2:MINOR MULTIPLE
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main level
  • Pool features: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 5,227 sqft
  • Features: Back Yard,Front Yard

Parking

  • Total spaces: 6
  • Uncovered spaces: 6

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 $5,815$69,780
Home Insurance *$185$2,220
Property Taxes $1,361$16,332
Electricity $398$4,786
Total$7,759$93,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$266,022/yr
40% on housing$232,770/yr
45% on housing$206,906/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

$1,239This listing

vs Other Active Listings

Avg $/sqft

ZIP 92113$467
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92113$565
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
2026-02-28Listed for sale$1,150,000
2025-09-23Listing removed$5,100
2025-09-05Price change$5,100
2025-08-08Listed for rent$6,500
2015-10-13Sold$300,000

For Sale by Agent

AgentMarielena Beatie
Brokeragei2i Real Estate & Mortgage

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