4495 Montalvo St San Diego, CA ^$ 1,250,000

4495 Montalvo St

^$ 1,250,000

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4495 Montalvo St

San Diego, CA, 92107

^$ 1,250,000

Bedrooms2 Baths1.1 Sq 981

Monthly Estimate*

^$ 7,798

Listed by Compass

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Single Family Home for sale in San Diego, CA

for $1,250,000 with 2 bedrooms and 1 full bath, 1 half bath. This 981 square foot home was built in 1940 on a lot size of 0.1129.

4495 Montalvo St offers a rare opportunity to invest in a beach-area property with fewer barriers to growth. Sitting just outside the Coastal Commission zone, improvements and permitting can be approached more directly and efficiently. The RM-3-7 zoning provides flexibility to unlock additional units or expand living space, giving you a clear path to maximizing long-term value. The existing 2 bedroom 1.5 bath home features updated interiors including refreshed baths, new flooring and light-filled living spaces with partial ocean views. Enrollment in the Quiet Home window upgrade program has already been approved for this year, further enhancing desirability. Perfectly positioned between Ocean Beach and Point Loma, this address offers strong lifestyle appeal and rental demand. Minutes to beaches, cafes, shopping and major connectors, it is truly an investment that performs today while offering meaningful development potential ahead.

Single Family Active

Price

^$ 1,250,000

Bedrooms

Full Bath

Half Bath

Property Type

Single Family

Taxes

^$ 0

Style

Lot Size

0.1129

Year Built

1940

Town/City

San Diego

County/Region

San Diego

MLS | Web ID

250042712SD

Days on Market

Features

General

Living Area 981

Heating Natural Gas

Cooling Wall/Window Unit(s)

Utilities Water Available

Roof Asbestos Shingle

Appliances Dishwasher Disposal Gas Range Refrigerator

Zoning R-4:MULTIP

Garage Spaces 0

Pool Features None

Construction Materials Stucco

Year Built 1940

View Ocean Peek-A-Boo

Stories Count 1

Levels One

Property Subtype Single Family Residence

County San Diego

New Construction 0

Property Type Residential

HOA 0

Subdivision Name Ocean Beach

Garage Y/N 0

Full Baths 1

Status Active

Directions Cross Street: W Point Loma Blvd.

City San Diego

Senior Community Y/N 0

Open Parking Spaces 0

MLS Area 92107 - Ocean Beach

Lot Size Units Square Feet

Lot Size Square Feet 4920

Listing Terms Cash FHA VA Loan

Property Attached Y/N 0

Land Lease Y/N 0

Standard Status Active

Occupancy Type Tenant

Property Sub Type Additional Single Family Residence

Interior

Flooring Laminate

Total Stories 1

Air Conditioning Y/N 1

Heating Y/N 1

Fireplace Y/N 0

Half Baths 1

Laundry Features Electric Dryer Hookup Laundry Room

Total Bedrooms 2

Total Baths 2

Exterior

Parking Features Other

Total Parking 0

Lot Size Area 4920

Spa 0

Lot Size Acres 0.1129

Private Pool 0

Lot Size Source Assessor

* Excluded Features

List By

Compass

Broker

javi.hernandez@compass.com

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$7,798

Per Month

Monthly Principal & Interest: $7,798
Monthly Property Taxes: --
Monthly Home Insurance: --

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Yearly Home Insurance

Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in San Diego, CA

Average List Price ^$1,566,196

Percent of Sale Price 25%

About San Diego, CA

1,417,428 Population

15% Since 2002

^$72,408 Median Income

36.37 Median Age

27% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

4827338 Elementary School

4827337 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
11/25/2025	$1,250,000		Listed Price

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4495 Montalvo St, San Diego, CA, 92107 is a Single Family Home for sale at $1,250,000 with 981 sqft and a lot size of 0.1129. 4495 Montalvo St has 2 bedrooms, 1.1 baths, and was built in 1940. The property's zip code is 92107 which is in San Diego, CA

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Listing data provided courtesy of the Internet Data Exchange Program of the California Regional Multiple Listing Service, Inc..

Based on information from California Regional Multiple Listing Service, Inc. as of 12/18/2025. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.

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4495 Montalvo St

Single Family Home for sale in San Diego, CA

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