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137 Pennsylvania Ave, San Diego, CA, 92103

4beds
4baths
0sqft
$2,150,000
--price/sqft
$13,888/moest. monthly cost
$555,520/yrincome needed

About This Home

4 Units located in the heart of Hillcrest offering a rare opportunity to own a well-maintained property in one of San Diego’s most walkable and sought-after neighborhood, boasting a Walk Score of 95 and immediate access to University Avenue, the Hillcrest Farmers Market, and a wide mix of cafés, restaurants, and many other nearby amenities. The property features four large 1bedroom/1bath units, each thoughtfully updated with new appliances, modern cabinets, in-unit washer/dryers, and beautiful hardwood floors with spacious layouts. The site offers an over 1:1 unit/parking ratio with five off-street parking spaces, (1) 2-car garage, and (3) single-car garages. With an unbeatable Hillcrest location, the property appeals to both investors seeking a stable, upgraded asset with upside and owner-occupiers looking to live in a premium unit while leveraging rental income from the remaining apartments.

Getting Around

96
WalkingWalker's Paradise
50
TransitGood Transit
51
BikeBikeable

Schools

7/10
6/10
San Diego High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Composition
  • Construction materials: Wood

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Cooling

  • Cooling features: Wall/Window

Interior Area

  • Total structure area: 2,880

Property

Details

  • Parcel number: 4522842100

Features

  • Levels: 2 Story
  • Fencing: Gate

Lot

  • Lot size: 3,665 sqft

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 $10,871$130,452
Home Insurance *$291$3,492
Property Taxes $2,328$27,936
Electricity $398$4,786
Total$13,888$166,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$476,160/yr
40% on housing$416,640/yr
45% on housing$370,346/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 92103$731
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)

Price History

DateEventPrice
2026-03-19Listed for sale$2,150,000
2017-12-13Sold$1,175,000

For Sale by Agent

AgentCaleb Mancini
BrokerageApartment Realty Group (ARG)

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