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3905 Haines St, San Diego, CA, 92109

5beds
5baths
1,967sqft
$2,975,000
$1,512price/sqft
$17,392/moest. monthly cost
$695,680/yrincome needed

About This Home

3905 is one of three newly constructed residences within the Crown Point Coastal Collection, a distinct detached coastal offering just 2 ½ blocks from Sail Bay. Designed with exceptional flexibility, the residence includes a fully separate 2-bedroom, 2-bath ADU and a permitted 1-bedroom, 1-bath Sleeping Unit per approved plans. This layout creates three private living environments within one detached structure -ideal for multigenerational living, private guest quarters or additional residential space tailored to the owner's needs. The elevated 2-bedroom, 2-bath primary level is filled with natural light and opens seamlessly to a private outdoor BBQ terrace and rooftop retreat with panoramic views—an indoor-outdoor experience designed for relaxed coastal living and effortless entertaining. Eleven-foot ceilings in the main living areas and nine-foot ceilings below enhance the home’s sense of scale and comfort. Bertazzoni appliances, tile flooring throughout, solid-core doors, clerestory windows, paid solar with Tesla Powerwall, and energy-efficient ductless mini-split climate control reflect the home’s elevated yet practical design. Built by Duncan Custom Homes, architecturally designed by Scot Frontis, AIA, with interiors by Sol Quintana Design, this home pairs thoughtful craftsmanship with the ease of refined beachside living. No HOA. Shared parking and pedestrian access agreement in place. Property taxes will be reassessed upon transfer of ownership. Also available 3903 Haines MLS# NDP2601613 and 3901 Haines MLS# NDP 2601603.

Getting Around

75
WalkingVery Walkable
40
TransitSome Transit
67
BikeBikeable

Schools

5/10
10/10
9/10
Mission Bay High SchoolGrades 9-121.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Type & Style

  • Home type: MultiFamily
  • Property subType: Triplex

Interior

Appliances

  • Appliances included: Dryer,Washer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 5
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Cooling

  • Cooling features: Ductless,Electric

Features

  • Fireplace features: None
  • Common walls with other units/homes: 1 Common Wall

Interior Area

  • Total interior livable area: 1,967 sqft

Property

Details

  • Parcel number: 4234221600
  • Attached to another structure: Yes
  • Zoning: RM-1-1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Upper Level
  • Pool features: None
  • Has view: Yes
  • View description: City Lights,Neighborhood,Panoramic,Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 2,736 sqft
  • Features: Drip Irrigation/Bubblers,Landscaped,Level

Parking

  • Total spaces: 2
  • Uncovered 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
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
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 $15,043$180,516
Home Insurance *$267$3,204
Property Taxes $1,661$19,932
Electricity $421$5,061
Total$17,392$208,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$596,297/yr
40% on housing$521,760/yr
45% on housing$463,786/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

$1,512This listing

vs Other Active Listings

Avg $/sqft

ZIP 92109$1,004
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
2026-02-18Listed for sale$2,975,000

New Construction

AgentTom Dinoto
BrokerageColdwell Banker West

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