See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

972 Sapphire St, San Diego, CA, 92109

3beds
4baths
1,300sqft
$1,725,000
$1,327price/sqft
$11,279/moest. monthly cost
$451,160/yrincome needed

About This Home

Welcome to 972 Sapphire Street, a beautifully remodeled townhome located in the heart of North Pacific Beach. This stunning 3-bedroom, 3.5-bath residence offers the perfect blend of modern style and coastal living. Step inside to discover bright, inviting interiors featuring stylish finishes, a cozy fireplace in the living room, and a thoughtfully designed floor plan ideal for both everyday comfort and entertaining. Multiple balconies and patios create seamless indoor-outdoor living, including a private outdoor space perfect for morning coffee, evening gatherings, or simply enjoying the ocean breeze. Additional highlights include in-unit laundry, an attached one-car garage, and neighborhood views from several outdoor living areas. Ideally situated just blocks from the Pacific Ocean, this exceptional home is within walking distance of North Pacific Beach's popular shops, cafés, restaurants, sandy beaches, and the iconic Tourmaline Surfing Park. Enjoy morning surf sessions, afternoon beach days, and breathtaking sunset walks along the coast. Offering the quintessential Southern California beach lifestyle in one of San Diego's most sought-after neighborhoods, this turnkey residence presents a rare opportunity to own in North PB.

Getting Around

86
WalkingVery Walkable
35
TransitSome Transit
60
BikeBikeable

Schools

10/10
9/10
Mission Bay High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1987

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

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

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Cooling

  • Cooling features: Central Air

Features

  • All Bedrooms Up,Primary Suite
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: 1 Common Wall

Interior Area

  • Total interior livable area: 1,300 sqft

Master Bedroom

  • Features: Primary Suite

Property

Details

  • Parcel number: 4152511001
  • Attached to another structure: Yes
  • Zoning: R-1:Single Fam-Res
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Has view: Yes
  • View description: Neighborhood,Ocean,Peek-A-Boo
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 5,923 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Uncovered spaces: 1

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
  • 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 $8,722$104,664
Home Insurance *$155$1,860
Property Taxes $2,004$24,048
Electricity $398$4,786
Total$11,279$135,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$386,708/yr
40% on housing$338,370/yr
45% on housing$300,773/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

$1,327This listing

vs Other Active Listings

Avg $/sqft

ZIP 92109$1,010
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
2026-07-21Price change$1,725,000
2026-06-23Listed for sale$1,795,000
2026-01-20Sold$1,170,000
2025-11-29Pending sale$1,395,000
2025-10-21Price change$1,395,000
2025-09-27Listed for sale$1,475,000
2025-09-23Sold$1,015,000
2025-03-29Listing removed$5,400
2025-03-11Price change$5,400
2025-03-06Listed for rent$5,800
2024-04-04Listing removed--
2024-03-20Listed for rent$5,390
2000-04-12Sold$290,000
1999-04-01Sold$800,000

For Sale by Agent

AgentBetty Toroyan
BrokerageeXp Realty of Southern CA

Similar Homes