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4112 Bannock Ave, San Diego, CA, 92117

12beds
7baths
4,900sqft
$2,429,000
$496price/sqft
$14,977/moest. monthly cost
$599,080/yrincome needed

About This Home

We are pleased to present 4112 Bannock Ave, a 5-unit multifamily property in the highly desirable Clairemont neighborhood of San Diego, CA. Clairemont is renowned for its picturesque surroundings, nestled between the natural beauty of Tecolote Canyon Natural Park and the recreational allure of Mission Bay Park, providing residents with a perfect blend of outdoor adventure and urban convenience. The property features off-street parking & an attractive unit mix, comprised of three 2-bedroom/1-bath cottage style units, and two large 3-bedroom/2-bath units with private garages. Its strategic location in Bay Park offers seamless connectivity via Interstate 8, placing key destinations like Downtown San Diego (7 miles), San Diego International Airport (6 miles), and the University of San Diego (3 miles) within a short commute. Clairemont is considered “Very Walkable,” with residents enjoying easy access to gourmet dining along Morena Boulevard and recreational hotspots such as Tecolote Canyon Golf Course and Playa Pacifica Park. Mission Bay Park, just minutes away, offers surfing, sunbathing, and dog-friendly beaches, making it a haven for outdoor enthusiasts. The neighborhood’s proximity to the University of San Diego, enrolling over 8,000 students, enhances its appeal to a diverse tenant base and supports a robust rent al market, bolstered by the area’s $1.5 billion annual economic impact from the university and nearby employment hubs. This property presents a rare opportunity for investors to acquire an asset in Bay Park, a submarket experiencing strong rental demand

Getting Around

72
WalkingVery Walkable
40
TransitSome Transit
55
BikeBikeable

Schools

6/10
Field Elementary SchoolGrades K-50.3 mi
6/10
Innovation Middle SchoolGrades 6-81.7 mi
6/10
Madison High SchoolGrades 9-121.5 mi

Construction

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 12
  • Bathrooms: 7
  • Full bathrooms: 7

Interior Area

  • Total structure area: 4,900
  • Total interior livable area: 4,900 sqft

Property

Details

  • Parcel number: 3601900600

Features

  • Stories: 2

Lot

  • Lot size: 0.34 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 $12,282$147,384
Home Insurance *$289$3,468
Property Taxes $1,356$16,272
Electricity $1,050$12,608
Total$14,977$179,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$513,497/yr
40% on housing$449,310/yr
45% on housing$399,386/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

$496This listing

vs Other Active Listings

Avg $/sqft

ZIP 92117$561
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92117$778
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
2026-07-09Listed for sale$2,429,000

For Sale by Agent

AgentAustin Huffman
BrokerageMarcus & Millichap

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