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1055 21st St, San Diego, CA, 92102

4beds
4baths
0sqft
$1,875,000
--price/sqft
$12,199/moest. monthly cost
$487,960/yrincome needed

About This Home

Located in the highly desirable Golden Hill neighborhood of San Diego, 1055 21st Street presents a rare opportunity to acquire a pride-of-ownership 4-unit apartment community in one of San Diego’s fastest growing urban markets. Situated on an approximately 7,000 square foot lot, the property consists of four extensively renovated ~675 square foot 1-bedroom / 1-bathroom apartments with approved plans to add an ADU, creating immediate upside potential without sacrificing existing off-street parking. Ideally positioned just minutes from Downtown San Diego, the property offers seamless access to Interstate 5, SR-94, Interstate 15, and San Diego International Airport, making it highly attractive to tenants and investors alike. Ownership recently completed an extensive remodel designed to create a long-term low-maintenance investment. Improvements include dual-pane windows, interior and exterior paint, upgraded plumbing and electrical systems, tankless water heaters, stainless steel appliances, quartz countertops, recessed lighting, modern fixtures, new flooring, renovated bathrooms, and in-unit washer/dryers throughout. Ownership also invested over $40,000 into new furniture and décor, allowing all four units to operate as furnished rentals. Located in an ever-gentrifying neighborhood with strong appreciation potential, 1055 21st Street offers investors a turnkey multifamily opportunity with immediate ADU upside.

Getting Around

87
WalkingVery Walkable
65
TransitGood Transit
58
BikeBikeable

Schools

3/10
Golden Hill K-8Grades K-81.2 mi
6/10
San Diego High SchoolGrades 9-120.4 mi

Construction

Materials

  • Roof: Composition
  • Construction materials: Wood,Wood/Stucco

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: 2,700

Property

Details

  • Parcel number: 5342660200

Features

  • Levels: 2 Story
  • Fencing: Partial

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 $9,481$113,772
Home Insurance *$291$3,492
Property Taxes $2,029$24,348
Electricity $398$4,786
Total$12,199$146,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$418,251/yr
40% on housing$365,970/yr
45% on housing$325,306/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 92102$495
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92102$792
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
2026-08-04Price change$1,870,000
2026-07-15Price change$1,875,000
2026-07-08Listed for sale$1,895,000
2026-07-06Pending sale$1,895,000
2026-06-15Price change$1,895,000
2026-05-28Listed for sale$1,925,000
2026-05-02Listing removed$1,925,000
2026-03-23Price change$1,925,000
2026-02-11Price change$1,940,000
2026-01-29Price change$1,945,000
2026-01-05Listed for sale$1,950,000
2025-12-19Listing removed$1,950,000
2025-11-24Price change$1,950,000
2025-11-04Price change$1,975,000
2025-09-24Listed for sale$1,995,000
2023-08-07Sold$1,340,000
2023-06-07Pending sale$1,375,000
2023-05-25Listed for sale$1,375,000

For Sale by Agent

AgentJosh Browar
BrokerageThe Browar Group

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