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4020 Front St #22, San Diego, CA, 92103

3beds
3baths
1,997sqft
$1,399,000
$701price/sqft
$9,317/moest. monthly cost
$372,680/yrincome needed

About This Home

Variance granted for Res Detached. Situated on a desirable street in Mission Hills/Hillcrest, this well-maintained property offers a spacious primary residence with a detached second unit ideal for rental income or guest use. Both units include stand-up attic storage and share a private enclosed yard, plus 2 off-street parking spaces. The main home is a 2BR/2BA, 1,298 sq ft residence featuring hardwood floors, a remodeled kitchen with quartz countertops, updated bathrooms, central heat and air, formal dining room, and a large storage/pantry off the kitchen. Owned solar provides significant energy savings. The 2nd unit is a 1BR/1BA cottage, 699 sq ft cottage with quartz kitchen counters, gas stove, breakfast nook, manufactured wood flooring, and a spacious bedroom with an extended built-in closet. Retro yellow tiled bathroom adds charm. Zoned RM 3-9 on a 5,200 sq ft lot with additional development potential (buyer to verify). Complete Communities Tier 2, Transit Priority Area. Variance granted for Detached. Situated on a desirable street in Mission Hills/Hillcrest, this well-maintained property offers a spacious primary residence with a detached second unit ideal for rental income or guest use. Both units include stand-up attic storage and share a private enclosed yard, plus 2 off-street parking spaces. The main home is a 2BR/2BA, 1,298 sq ft residence featuring hardwood floors, a remodeled kitchen with quartz countertops, updated bathrooms, central heat and air, formal dining room, and a large storage/pantry off the kitchen. Owned solar provides significant energy savings. The 2nd unit is a 1BR/1BA cottage, 699 sq ft cottage with quartz kitchen counters, gas stove, breakfast nook, manufactured wood flooring, and a spacious bedroom with an extended built-in closet. Retro yellow tiled bathroom adds charm. Zoned RM 3-9 on a 5,200 sq ft lot with additional development potential (buyer to verify). Complete Communities Tier 2, Transit Priority Area.

Getting Around

94
WalkingWalker's Paradise
51
TransitGood Transit
68
BikeBikeable

Schools

7/10
6/10
San Diego High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1929

Materials

  • Roof: Composition
  • Construction materials: Wood/Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Gas Cooking,Gas Oven,Gas Range,Gas Stove,Microwave,Range/Oven,Refrigerator,Solar Panels,Washer
  • Laundry features: Electric,Gas

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Forced Air Unit,Other/Remarks
  • Cooling features: Central Forced Air,Energy Star,Wall/Window

Interior Area

  • Total structure area: 1,997
  • Total interior livable area: 1,997 sqft

Property

Details

  • Parcel number: 4444911900
  • Zoning: R-4:MULTIP
  • Zoning description: R-4:MULTIP

Features

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

Lot

  • Lot size: 5,227 sqft

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
  • 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 $7,074$84,888
Home Insurance *$189$2,268
Property Taxes $1,626$19,512
Electricity $428$5,138
Total$9,317$111,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$319,440/yr
40% on housing$279,510/yr
45% on housing$248,453/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

$701This listing

vs Other Active Listings

Avg $/sqft

ZIP 92103$735
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92103$928
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
2026-04-24Price change$1,399,000
2026-02-19Listed for sale$1,450,000
1999-01-19Sold$245,000

For Sale by Agent

AgentSteve Carlson
BrokerageWoods Real Estate Services Inc

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