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851-53 Sapphire St, San Diego, CA, 92109

6beds
6baths
2,817sqft
$3,195,000
$1,134price/sqft
$20,672/moest. monthly cost
$826,880/yrincome needed

About This Home

Newer Luxury Detached Home close to the Beach with spectacular ocean views! 851-853 Sapphire built in 2022 is a three story home with 5BR and 5BA with a 1B/1BA ADU. Well appointed with wide plank hardwood flooring throughout as well as Quartzite countertops. The kitchen is spacious and comes with Wolf and Viking appliances. Your vanishing sliding Cantina doors in the living room open up to quintessential San Diego indoor outdoor living. The third floor decks offers nearly 360 degree views down the coast and views going inland. The top floor entertainment room is fitted with bathroom and wet bar that open up to view decks that offer 360 degree views from looking down the coast to inland on the opposite side. Enjoy reduced electric bills with the owned solar. The ADU has its own separate entrance and is perched atop the detached 2 car garage. This home has everything you are looking for and more at the beach. Can be offered furnished.

Getting Around

84
WalkingVery Walkable
34
TransitSome Transit
57
BikeBikeable

Schools

10/10
9/10
Mission Bay High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer
  • Laundry features: Gas

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 6
  • Full bathrooms: 6

Heating & Cooling

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

Interior Area

  • Total structure area: 2,817
  • Total interior livable area: 2,817 sqft

Property

Details

  • Parcel number: 4152423200

Features

  • Levels: 3 Story
  • Pool features: N/K
  • Fencing: Gate,Partial

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $16,155$193,860
Home Insurance *$287$3,444
Property Taxes $3,626$43,512
Electricity $604$7,248
Total$20,672$248,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$708,754/yr
40% on housing$620,160/yr
45% on housing$551,253/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

$1,134This listing

vs Other Active Listings

Avg $/sqft

ZIP 92109$1,008
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92109$1,129
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
2026-05-01Listed for sale$3,195,000
2026-05-01Listing removed$3,195,000
2026-03-23Listed for sale$3,195,000

For Sale by Agent

AgentAlex J Rojas
BrokerageShore Point Real Estate

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