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3765 Herman Ave, San Diego, CA, 92104

5beds
3baths
0sqft
$1,395,000
--price/sqft
$8,382/moest. monthly cost
$335,280/yrincome needed

About This Home

This turnkey duplex in the heart of North Park offers a rare combination of historic Craftsman charm and extensive modern infrastructure. Situated on a generous 6,266 SF lot, this property features two distinct residences, making it an ideal opportunity for an owner-occupant seeking rental income or a savvy investor seeking ample development options. ADUs: Utilize 1100sf of functional space in rear of lot by adding ADU structure(s). Fully Develop: Subject Property is zoned RM-3-8 which offers one dwelling per 800 square feet without any density bonus. Complete communities designation allows for a maximum of 6.5 floor to area ratio. Mobility Zone 2 Designation deems the site as VMT Efficient. With the right set of plans, one could entitle the land for substantially more units.

Getting Around

96
WalkingWalker's Paradise
52
TransitGood Transit
62
BikeBikeable

Schools

7/10
6/10
San Diego High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1917

Materials

  • Roof: Composition
  • Construction materials: Wood

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Heating & Cooling

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

Interior Area

  • Total structure area: 2,500

Property

Details

  • Parcel number: 4531630400
  • Zoning: RM 3-8
  • Zoning description: RM 3-8

Features

  • Levels: 2 Story
  • Fencing: Partial
  • Has view: Yes
  • View description: N/K

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: 50 x 125

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 $7,053$84,636
Home Insurance *$153$1,836
Property Taxes $778$9,336
Electricity $398$4,786
Total$8,382$100,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$287,382/yr
40% on housing$251,460/yr
45% on housing$223,520/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 92104$512
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92104$931
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
2026-03-25Listed for sale$1,450,000
2023-01-21Listing removed--
2023-01-13Listed for rent$3,550
2020-07-13Listing removed$2,895
2020-07-10Listed for rent$2,895
2014-10-15Sold$740,000

For Sale by Agent

AgentAziz Zakkout
BrokerageZakkout Real Estate Services

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