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686 Seacoast Dr, Imperial Beach, CA, 91932

4beds
4baths
2,248sqft
$1,249,000
$556price/sqft
$8,452/moest. monthly cost
$338,080/yrincome needed

About This Home

Experience true coastal living in this stunning tri-level beachside retreat in Imperial Beach. Just steps from the sand, simply open your garage and you’re there! This home offers the ultimate blend of location, space, and breathtaking ocean views. Inside, you’re welcomed by a light-filled interior with a fresh coastal aesthetic, featuring soft gray tones, crisp white crown molding, and bright baseboards throughout. The main living area is warm and inviting, centered around a cozy fireplace and designed for both relaxing and entertaining. The beautifully updated kitchen is a standout, featuring stainless steel appliances and a spacious center island equipped with a gas cooktop and hood, along with ample storage and drawers, perfect for gathering and everyday living. Coastal-inspired finishes, including gray cabinetry and a clean white backsplash, complete the modern yet beachy feel. With a thoughtfully designed tri-level layout, the home offers both flexibility and privacy. Two bedrooms are conveniently located on the first floor, while the spacious primary suite is on the second level, featuring stunning ocean views that create a peaceful retreat. The top floor is a true bonus space, complete with a built-in bar and access to a view deck, ideal for entertaining or enjoying sunsets over the Pacific. Located along the iconic Seacoast Drive and just moments from the Imperial Beach Pier, local dining, and vibrant beachfront activity, this home offers an unbeatable opportunity to live the laid-back Southern California beach lifestyle. Whether you’re searching for a beach retreat, a full-time residence, or an investment opportunity, this is a rare chance to own in one of Imperial Beach’s fastest-growing coastal communities. Enjoy walkable access to popular restaurants, local shops, parks, the nearby military base, and the beach. Don’t miss this incredible opportunity to own your own piece of coastal living!

Getting Around

73
WalkingVery Walkable
43
TransitSome Transit
62
BikeBikeable

Schools

3/10
5/10
4/10
Mar Vista AcademyGrades 7-82.3 mi

Construction

Condition

  • Year built: 1982

Materials

  • Roof: Other/Remarks
  • Construction materials: Stucco

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range/Oven,Refrigerator,Water Filtration,Water Softener
  • Laundry features: Other/Remarks

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace features: FP in Living Room

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: N/K

Interior Area

  • Total structure area: 2,248
  • Total interior livable area: 2,248 sqft

Property

Details

  • Parcel number: 6250113202
  • Zoning: R-1:SINGLE
  • Zoning description: R-1:SINGLE

Features

  • Levels: 3 Story
  • Stories: 3
  • Pool features: Community/Common
  • Fencing: Other/Remarks

Lot

  • Lot size: 0.26 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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 $6,315$75,780
Home Insurance *$208$2,496
Property Taxes $1,447$17,364
Electricity $482$5,784
Total$8,452$101,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$289,782/yr
40% on housing$253,560/yr
45% on housing$225,386/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

$556This listing

vs Other Active Listings

Avg $/sqft

ZIP 91932$527
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 91932$643
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
2026-04-29Price change$1,499,000
2026-03-19Listed for sale$1,550,000
2025-03-01Listing removed$5,195
2025-02-18Price change$5,195
2025-02-13Price change$5,250
2025-01-29Price change$5,350
2025-01-24Price change$5,400
2025-01-05Listed for rent$5,500
2016-09-12Sold$830,000
2010-09-25Listing removed$750,000
2010-08-21Listed for sale$750,000

For Sale by Agent

AgentBrian P Cane
BrokerageKeller Williams La Jolla

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