5321 Santa Margarita St, San Diego, CA, 92114
About This Home
Situated on a spacious .27 Ac lot in a convenient residential location, this versatile property offers a well-designed main residence along with a detached guest unit over a single car garage and room to expand. The main home features 4 bedrooms and 2 bathrooms, while the guest house includes 1 bedroom and 1 full bath + access to the storage space adjacent to the garage parking. The guest unit is currently rented by long term tenants providing immediate rental income potential or flexible living arrangements for extended family and guests. The home offers a functional single-level layout with generous living spaces, indoor laundry room, and a large kitchen equipped with gas cooking, microwave, and refrigerator. Outdoor amenities include a sizable backyard ideal for entertaining, recreation, or relaxing. Additional features for the main house include ample on-site parking including a long driveway and single door/car garage space, wood-frame construction, and numerous upgrades including new exterior paint, new doors and more. Convenient access to parks, schools, shopping, dining, and major transportation routes adds to the property's appeal. The property is zoned for multi-unit residential development and may offer future redevelopment opportunities.
Getting Around
Somewhat Walkable
Good Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Turnkey
- Year built: 1951
Materials
- Roof: Composition
- Construction materials: Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Garage Door Opener,Microwave,Range/Oven,Refrigerator,Gas Range,Counter Top,Gas Water Heater
- Laundry features: Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Ceiling Fan,Open Floor Plan,Remodeled Kitchen,Shower,Shower in Tub,Kitchen Open to Family Rm
- Flooring: Laminate,Tile
Heating & Cooling
- Heating features: Forced Air Unit
- Cooling features: N/K
Interior Area
- Total structure area: 1,935
- Total interior livable area: 1,935 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 5482040300
- Zoning: R-2:MINOR
- Zoning description: R-2:MINOR
Features
- Levels: 1 Story
- Stories: 1
- Pool features: N/K
- Spa features: N/K
- Fencing: Blockwall,Gate,Partial,Wood
- Has view: Yes
- View description: N/K
- Frontage type: N/K
Lot
- Lot size: 0.28 Acres
- Lot size dimensions: 58 x 198
Parking
- Total spaces: 3
- Parking features: Garage - Front Entry,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Inland Flooding
- Earthquake
- Heat Wave
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in San Diego County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,322 | $51,864 |
| Home Insurance * | $145 | $1,740 |
| Property Taxes | $986 | $11,832 |
| Electricity | $414 | $4,979 |
| Total | $5,867 | $70,404 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-14 | Listed for sale | $854,900 |
| 2026-07-07 | Listing removed | $899,900 |
| 2026-06-13 | Listed for sale | $899,900 |
| 2020-03-05 | Listing removed | $2,595 |
| 2020-02-14 | Price change | $2,595 |
| 2020-02-07 | Listed for rent | $2,650 |
| 2019-10-08 | Sold | $426,000 |
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