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1027 Swaying Palms Way W, San Diego, CA, 92154

4beds
3baths
2,129sqft
$975,000
$458price/sqft
$6,103/moest. monthly cost
$244,120/yrincome needed

About This Home

Welcome to 1027 Swaying Palms Way, a rarely available Plan 1 corner lot home offering 2,129 sq ft with 4 bedrooms and 3 bathrooms. This home features a dramatic open-to-below entry, luxury vinyl plank flooring downstairs, and newer carpet upstairs. The front door is equipped with a security screen, and the home includes plantation shutters throughout. The kitchen showcases granite countertops, a beautiful backsplash, extended cabinetry, and an under-counter wine fridge outlet ready for installation. Additional upgrades include a new dishwasher, new microwave and newer AC unit Washer, dryer, and refrigerator are all included. The home is prewired for surround sound and designed for entertaining with a backyard gas fireplace, additional gas hookups for a future outdoor kitchen, and a 220V hookup ready for a future spa or sauna. The backyard also features a small putting green along with a professionally installed drainage and drip irrigation system supporting the landscaping throughout the property. The garage has been upgraded with epoxy flooring and overhead storage racks that convey with the home, adding both functionality and organization. Leased solar through SunPower helps with energy efficiency and everyday savings, with approximately 12 years remaining on the lease at only $62 per month. A buyout option is also available for approximately $10,120. LOW HOA $133.

Getting Around

82
WalkingVery Walkable
50
TransitGood Transit
51
BikeBikeable

Schools

3/10
4/10
Mar Vista AcademyGrades 7-80.2 mi
5/10

Construction

Condition

  • Year built: 2017

Materials

  • Roof: Composition,Tile/Clay
  • Construction materials: Wood/Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In
  • Laundry features: Electric,Gas

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Heating & Cooling

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

Interior Area

  • Total structure area: 2,129
  • Total interior livable area: 2,129 sqft

Property

Details

  • Parcel number: 273044600

Features

  • Levels: 2 Story
  • Pool features: N/K
  • Fencing: Wood

Parking

  • Total spaces: 6
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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

How This Home’s Risks Compare

Earthquake
Inland Flooding
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 $4,930$59,160
Home Insurance *$173$2,076
Property Taxes $544$6,528
Electricity $456$5,478
Total$6,103$73,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,245/yr
40% on housing$183,090/yr
45% on housing$162,746/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

$458This listing

vs Other Active Listings

Avg $/sqft

ZIP 92154$364
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92154$499
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)

No zestimate history available

Price History

DateEventPrice
2026-08-18Pending sale$960,000
2026-06-25Listed for sale$975,000
2026-06-04Pending sale$975,000
2026-05-26Listed for sale$975,000

For Sale by Agent

AgentJared Stransky
BrokerageCompass

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