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645 N Cummings St, Los Angeles, CA, 90033

10beds
4baths
3,430sqft
$825,000
$241price/sqft
$5,887/moest. monthly cost
$235,480/yrincome needed

About This Home

TREMENDOUS UPSIDE! This well-maintained duplex presents a rare opportunity for significant rental growth in the rapidly evolving Boyle Heights market. Each spacious unit offers approximately 1,715 sq ft, featuring 5 bedrooms and 2 bathrooms an uncommon and highly desirable layout ideal for maximizing rental income and attracting long-term tenants.Tenants pay all utilities, resulting in minimal landlord expenses limited to property taxes and insurance, with no ongoing operating costs or maintenance concerns making this an efficient, income-producing investment.Situated in a quiet residential neighborhood, the property offers a unique balance of suburban tranquility and proximity to ongoing urban development and appreciation.BONUS OPPORTUNITY: The adjacent property at 649 N Cummings is also available for purchase, presenting a rare chance for investors to acquire a multi-property portfolio in a prime location. Additional details available upon request.

Getting Around

87
WalkingVery Walkable
73
TransitExcellent Transit
66
BikeBikeable

Schools

6/10
Hollenbeck Middle SchoolGrades 6-81.0 mi
4/10

Construction

Condition

  • Year built: 1931

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Disposal,Range/Oven

Bedrooms & Bathrooms

  • Bedrooms: 10
  • Bathrooms: 4

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 3,430
  • Total interior livable area: 3,430 sqft

Property

Details

  • Parcel number: 5175031009
  • Zoning: LAR2
  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Lot size: 5,370 sqft

Parking

  • Parking features: Concrete
  • Has uncovered spaces: Yes

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 Los Angeles County and California

Earthquake
Fire
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
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 *$150$1,800
Property Taxes $831$9,972
Electricity $735$8,826
Total$5,887$70,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,840/yr
40% on housing$176,610/yr
45% on housing$156,986/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 90033$376
Los Angeles County$602

vs Homes Sold Last Month

Median $/sqft

ZIP 90033$681
Los Angeles County$610

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
2026-05-05Listed for sale$875,000
2022-10-03Sold$700,000

For Sale by Agent

AgentAlexis Kim
BrokerageKeller Williams Larchmont

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