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802-6 Sutter St, San Diego, CA, 92103

6beds
5baths
0sqft
$1,925,000
--price/sqft
$11,466/moest. monthly cost
$458,640/yrincome needed

About This Home

Welcome to 802–06 Sutter Street, a rare Mission Hills triplex with a charming detached single-family residence plus two rear cottages. Situated in a neighborhood dominated by low-density, high-end single-family homes, income properties of this caliber almost never come to market here — making this an exceptional ownership opportunity at an attainable entry point for the savvy investor or owner-occupant buyer alike. The front house — a 2-bedroom, 1.5-bath home with a private backyard — will be delivered vacant in June 2026, creating a turnkey owner-occupant opportunity. Move in, enjoy one of San Diego's most coveted addresses, and let the two rear detached cottages (2BD/1BA and 2BD/1.5BA) generate income from day one. The rear cottages offer compelling rental upside through light cosmetic renovations — think fresh finishes and updated kitchens that can meaningfully lift rents in a neighborhood where demand perennially outpaces supply. Mission Hills consistently attracts quality long-term renters & owners drawn to its walkability, character architecture, and proximity to Little Italy, Hillcrest, and Balboa Park. Looking further ahead, the site presents future ADU potential — adding a unit could maximize the land's income-generating capacity and drive significant long-term appreciation.

Getting Around

87
WalkingVery Walkable
51
TransitGood Transit
51
BikeBikeable

Schools

7/10
Grant K-8Grades K-80.3 mi
6/10
San Diego High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1950

Materials

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

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Heating & Cooling

  • Heating features: Floor Furnace,Wall/Gravity
  • Cooling features: N/K

Interior Area

  • Total structure area: 3,100

Property

Details

  • Parcel number: 4510911700
  • Zoning: RS-1-7
  • Zoning description: RS-1-7

Features

  • Levels: 1 Story
  • Pool features: N/K
  • Spa features: N/K
  • Fencing: Partial
  • Frontage type: N/K

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
    EarthquakeRelatively High
  • 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 $9,733$116,796
Home Insurance *$261$3,132
Property Taxes $1,074$12,888
Electricity $398$4,786
Total$11,466$137,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$393,120/yr
40% on housing$343,980/yr
45% on housing$305,760/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 92103$732
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92103$928
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
2026-07-08Price change$1,925,000
2026-05-21Listed for sale$1,995,000

For Sale by Agent

AgentAnthony J Mendes
BrokerageThe Mendes Company

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