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535 12th St, Imperial Beach, CA, 91932

2beds
1baths
780sqft
$825,000
$1,058price/sqft
$6,419/moest. monthly cost
$256,760/yrincome needed

About This Home

Located in the Highly Desirable Neighborhood of Dolphin Bay, Imperial Beach, sits a Unique Opportunity to Owner Occupy while Building your Investment Portfolio. Great Development Opportunity. Zoned R-3000, on a 6,924 sq ft lot, with a variety of potential uses. Previously operated as a rental SFR, this entry level investment is ideal for an Owner Occupant utilizing their FHA, VA or a creative investor building equity. Remodel and live/rent in front house with the opportunity to build additional units or ADUs. Come Build Your Dream Home Here in Imperial Beach

Getting Around

75
WalkingVery Walkable
42
TransitSome Transit
75
BikeVery Bikeable

Schools

5/10
4/10
Mar Vista AcademyGrades 7-81.2 mi
5/10

Construction

Condition

  • Year built: 1956

Materials

  • Roof: Composition
  • Construction materials: Wood/Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range
  • Laundry features: Gas

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Linoleum/Vinyl
  • Fireplace features: N/K

Heating & Cooling

  • Heating features: Wall/Gravity
  • Cooling features: N/K

Interior Area

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

Property

Details

  • Parcel number: 6261910800
  • Zoning: M
  • Zoning description: M
  • Special condition: Call Agent

Features

  • Levels: 1 Story
  • Pool features: N/K
  • Fencing: Full

Parking

  • Total spaces: 2
  • Parking features: None Known

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Coastal 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 $4,171$50,052
Home Insurance *$137$1,644
Property Taxes $1,713$20,556
Electricity $398$4,786
Total$6,419$77,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$220,080/yr
40% on housing$192,570/yr
45% on housing$171,173/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

$1,058This listing

vs Other Active Listings

Avg $/sqft

ZIP 91932$529
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 91932$643
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
2026-05-02Listed for sale$825,000
2025-10-29Listing removed$999,900
2025-04-16Listed for sale$899,900
2024-11-22Listing removed$899,900
2024-11-22Price change$899,900
2024-10-04Price change$949,900
2024-09-17Listed for sale$999,900
2024-07-23Listing removed--
2024-03-22Listing removed$999,900
2024-03-22Listed for sale$999,900
2023-10-05Listing removed--
2023-09-12Listed for sale$999,900

For Sale by Agent

AgentDennis Dillard
BrokerageKeller Williams La Jolla

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