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3549 Shoreline Bluff Ln, San Diego, CA, 92110

2beds
3baths
1,386sqft
$815,900
$589price/sqft
$5,456/moest. monthly cost
$218,240/yrincome needed

About This Home

Welcome to 3549 Shoreline Bluff Lane, a beautifully appointed townhome in the highly desirable At The Bay community in Point Loma. Built in 2007, this spacious end unit 2-bedroom, 2.5-bath residence offers approximately 1,386 square feet of thoughtfully designed living space with an attached two-car tandem garage with workshop space, and direct entry. The open-concept floor plan features abundant natural light, a cozy fireplace, central air conditioning, and a private covered balcony ideal for relaxing or entertaining. The kitchen opens seamlessly to the dining and living areas, creating an inviting atmosphere for everyday living. Upstairs,two bedrooms including a spacious primary suite with en-suite bath and generous closet space. Additional highlights include a full-size laundry area, ample storage, and no neighbors above or below for enhanced privacy. Located within a gated community, residents enjoy resort-style amenities including a pool, spa, clubhouse, and playground. Situated just minutes from Liberty Station, Shelter Island, Mission Bay, local beaches, downtown San Diego, shopping, dining, and major freeways, this home offers the perfect blend of coastal convenience and urban accessibility. Low HOA dues and a prime Point Loma location make this an exceptional opportunity to enjoy one of San Diego's most sought-after neighborhoods.

Getting Around

80
WalkingVery Walkable
43
TransitSome Transit
40
BikeSomewhat Bikeable

Schools

7/10
6/10
Correia Middle SchoolGrades 7-80.9 mi
9/10
Point Loma High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Rolled/Hot Mop
  • Construction materials: Wood/Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Garage Door Opener,Microwave,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Gas & Electric Dryer HU

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • 2 Staircases,Balcony,Bathtub,Corian Counters
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: FP in Living Room

Heating & Cooling

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

Interior Area

  • Total structure area: 1,386
  • Total interior livable area: 1,386 sqft

Property

Details

  • Parcel number: 4412902811

Features

  • Levels: 3 Story
  • Stories: 1
  • Pool features: Community/Common
  • Patio & porch: Balcony
  • Spa features: Community/Common
  • Fencing: Full

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

  • 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 $4,125$49,500
Home Insurance *$87$1,044
Property Taxes $846$10,152
Electricity $398$4,786
Total$5,456$65,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$187,062/yr
40% on housing$163,680/yr
45% on housing$145,493/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

$589This listing

vs Other Active Listings

Avg $/sqft

ZIP 92110$603
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92110$929
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
2026-07-11Price change$815,900
2026-07-02Price change$820,900
2026-06-12Listed for sale$824,900
2014-12-31Sold$430,000
2010-11-05Sold$370,000
2010-09-24Price change$389,000
2010-09-10Price change$389,650
2010-06-13Listed for sale$414,900
2007-09-20Sold$435,000

For Sale by Agent

AgentNicole Thomas
BrokerageKeller Williams San Diego Metro

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