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3547 Union St, San Diego, CA, 92103

4beds
4baths
0sqft
$2,295,000
--price/sqft
$13,594/moest. monthly cost
$543,760/yrincome needed

About This Home

Rarely does a property come to market with a story this layered. Harper's Topiary Garden at 3547 Union St is a Mission Hills landmark. A 1939 single family home with a 1914 casita, set on 13,142 sq ft of terraced grounds featuring a decades-old topiary garden tended by the same family for generations. Featured in San Diego Magazine, Hidden San Diego, and viral across social media, this is one of San Diego's most beloved private spaces. The garden's legacy includes a dedicated caretaker whose knowledge of these grounds spans decades. Step through the gate and discover a secret garden world sculpted topiaries cascading down the hillside, a tranquil koi pond, a shimmering pool, and sweeping ocean and bay views that stretch to Point Loma, Coronado and beyond. The main house offers 2 bed/2 bath with hardwood floors and a finished basement. The detached casita at 3549 Union St adds 2 bed/1 bath and 1,084 sq ft with its own address. Bonus space eithin the casita with 1 bathroom that can be used as a wine cellar or storage. Detached 2-car garage. A property for the buyer who understands that certain things cannot be built, only inherited.

Getting Around

62
WalkingSomewhat Walkable
58
TransitGood Transit
35
BikeSomewhat Bikeable

Schools

7/10
Grant K-8Grades K-80.5 mi
6/10
San Diego High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1939

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: N/K

Interior Area

  • Total structure area: 2,101

Property

Details

  • Parcel number: 4514612300

Features

  • Levels: 2 Story
  • Pool features: Below Ground,Private
  • Has spa: Yes
  • Fencing: Gate

Lot

  • Lot size: 0.30 Acres

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 $11,604$139,248
Home Insurance *$311$3,732
Property Taxes $1,281$15,372
Electricity $398$4,786
Total$13,594$163,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$466,080/yr
40% on housing$407,820/yr
45% on housing$362,506/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$730
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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$2,295,000
2026-07-08Listed for sale$2,295,000

For Sale by Agent

AgentMichelle S Tharayil
BrokerageCompass

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