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2431 Palm Ave, San Diego, CA, 92154

5beds
2baths
1,288sqft
$790,000
$613price/sqft
$5,387/moest. monthly cost
$215,480/yrincome needed

About This Home

SELECT OCEAN VIEWS, PAID-OFF SOLAR, NEW ROOF, FIVE BEDROOMS AND NO HOA! Quirky, spacious and full of possibilities, this expansive 1928 original offers a versatile floor plan, impressive outdoor space and views stretching toward the ocean, Coronado and San Diego Bay. - The home features a formal living room with a cozy fireplace, a separate dining room, a remodeled kitchen with quartz countertops, stainless-steel appliances and generous workspace. The refrigerator, washer/dryer all convey. Additional upgrades include new roof, owned and fully paid-off solar panels with a Tesla inverter, a tankless water heater, dual-pane windows, flush-mounted LED lighting, hardwood flooring, smart-thermostat and central air-conditioning system. - With five bedrooms positioned throughout the home, including bedrooms at opposite ends, the layout offers flexibility for guests, extended households, home offices or private living spaces. The spacious primary bedroom includes its own private bathroom, while Bedroom #5 and portions of the large yard capture the ocean views. - Set on a fenced corner lot, the property provides multiple patio and yard areas, abundant privacy and plenty of room for entertaining, gardening, recreation or future possibilities. A detached two-car garage includes additional workspace, complemented by generous off-street parking. - Located approximately three miles from the ocean and just two blocks from Interstate 5, the home is also within walking distance of the Palm Avenue Transit Center, South Bay Drive-In Theatre, Home Depot, Walmart and other conveniences

Getting Around

62
WalkingSomewhat Walkable
59
TransitGood Transit
39
BikeSomewhat Bikeable

Schools

6/10
3/10
Montgomery Middle SchoolGrades 7-81.6 mi
5/10

Construction

Condition

  • Year built: 1928

Materials

  • Roof: Composition,Rolled/Hot Mop
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Garage Door Opener,Microwave,Refrigerator,Solar Panels,Washer,Gas Stove,Tankless Water Heater
  • Laundry features: Electric

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • 2 Staircases,Open Floor Plan
  • Flooring: Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: FP in Living Room,Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 1,288
  • Total interior livable area: 1,288 sqft

Property

Details

  • Parcel number: 6281014600
  • Zoning: R-1:SINGLE
  • Zoning description: R-1:SINGLE

Features

  • Levels: Split Level
  • Pool features: N/K
  • Patio & porch: Covered,Deck,Concrete
  • Fencing: Gate,Partial
  • Has view: Yes
  • View description: Bay,City,Ocean,Panoramic
  • Has water view: Yes
  • Water view: Bay,Ocean

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 5
  • Parking features: Detached,Garage - Front Entry,Garage Door Opener
  • 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
  • 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 $3,994$47,928
Home Insurance *$140$1,680
Property Taxes $855$10,260
Electricity $398$4,786
Total$5,387$64,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$184,697/yr
40% on housing$161,610/yr
45% on housing$143,653/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

$613This listing

vs Other Active Listings

Avg $/sqft

ZIP 92154$364
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92154$499
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)

No zestimate history available

Price History

DateEventPrice
2026-08-15Pending sale$790,000
2026-07-27Listed for sale$790,000
2024-11-12Sold$754,000
2024-10-19Pending sale$750,000
2024-10-09Listed for sale$750,000
2024-07-26Pending sale$750,000
2024-07-20Listed for sale$750,000
2023-12-01Listing removed--
2023-11-18Price change$4,100
2023-11-03Price change$4,200
2023-10-13Listed for rent$4,400
2023-10-13Listing removed--
2023-09-27Price change$4,400
2023-09-22Listed for rent$4,600
2021-07-28Sold$595,000
2021-06-29Pending sale$590,000
2021-06-21Listed for sale$590,000
2016-10-21Sold$417,000
2013-01-26Listing removed$1,895
2013-01-10Listed for rent$1,895
2007-09-14Sold$265,000

For Sale by Agent

AgentThomas J Nelson
BrokerageLPT Realty, Inc

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