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5282 Naranja St #23, San Diego, CA, 92114

3beds
3baths
1,423sqft
$559,999
$394price/sqft
$3,636/moest. monthly cost
$145,440/yrincome needed

About This Home

Brand-new construction 3BR, 3BA townhome-style detached PUD (not a condo) featuring modern design and efficient use of space. Highlights include a sleek stainless-steel kitchen, separate laundry room, airy balcony and front porch, 9-foot ceilings, large foyer, attached two-car garage, and a paid solar system. The upstairs landing offers a flexible study, play, or storage area. Both third-floor bedrooms feature ensuite bathrooms. Heating and cooling are provided by split systems, with additional storage located under the stairs at the entry level. This property is part of the City of San Diego Inclusionary Affordable Housing Program and is available to qualified buyers only. Income limits, resale restrictions, and owner-occupancy requirements apply. Buyer eligibility and program approval are required before purchase. Conveniently located near Downtown San Diego with nearby access to trolley, shopping, and dining, plus easy access to major freeways. A rare opportunity to own new construction at an attainable price point.

Getting Around

68
WalkingSomewhat Walkable
59
TransitGood Transit
44
BikeSomewhat Bikeable

Schools

3/10
Horton Elementary SchoolGrades K-50.5 mi
2/10
4/10
Lincoln High SchoolGrades 9-120.6 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Composition
  • Construction materials: Drywall

Other

  • Builder name: Ito Girard & Associates

Type & Style

  • Home type: Townhouse
  • Architectural style: Modern
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,ENERGY STAR Qualified Appliances,Electric Oven,Electric Range,Electric Water Heater,Disposal,Range Hood,Solar Hot Water,Water To Refrigerator
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Inside

Bedroom

  • Features: All Bedrooms Up

Bedroom

  • Features: Multi-Level Bedroom

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Breakfast Bar,High Ceilings,Multiple Staircases,Open Floorplan,Stone Counters,Recessed Lighting,Storage,Wired for Data,All Bedrooms Up,Primary Suite,Walk-In Closet(s)
  • Window features: Double Pane Windows,ENERGY STAR Qualified Windows,Insulated Windows,Screens
  • Flooring: Carpet
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Ductless,Heat Pump,Zoned
  • Cooling features: Electric,ENERGY STAR Qualified Equipment

Interior Area

  • Total interior livable area: 1,423 sqft

Kitchen

  • Features: Stone Counters

Master Bedroom

  • Features: Primary Suite

Other

  • Features: Walk-In Closet(s)

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 5485502300
  • Zoning: R-1
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Ground Level
  • Pool features: None
  • Patio & porch: Porch
  • Exterior features: Lighting
  • Has view: Yes
  • View description: Neighborhood

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
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 $2,831$33,972
Home Insurance *$95$1,140
Property Taxes $312$3,744
Electricity $398$4,786
Total$3,636$43,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,662/yr
40% on housing$109,080/yr
45% on housing$96,960/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

$394This listing

vs Other Active Listings

Avg $/sqft

ZIP 92114$443
San Diego County$559

vs Homes Sold Last Month

Median $/sqft

ZIP 92114$534
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
2026-02-10Listed for sale$559,999

New Construction

AgentLiliana Garcia-Rivera
BrokerageNeighborhood Real Estate

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