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

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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 0.112948.

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

Detached

Lot Size

0.112948

Year Built

1940

Town/City

San Diego

County/Region

San Diego

MLS | Web ID

250042712

Features

General

Sewer Sewer Connected

Heating Wall/Gravity

Cooling Wall/Window

Roof Asbestos Shingle

Appliances Dishwasher Disposal Dryer Range/Oven Refrigerator Washer Gas Range

Zoning R-4:MULTIP

HOA Fee 0.0

Garage Spaces 0.0

Pool Features N/K

Construction Materials Stucco

Year Built 1940

View Lagoon/Estuary Ocean Peek-A-Boo

Levels 1 Story

Property Subtype Detached

County San Diego

New Construction N

Property Type Residential

HOA N

Attached Garage N

Subdivision Name OCEAN BEACH

Full Baths 1

Status ACTIVE

City San Diego

Senior Community Y/N N

MLS Area Coastal South

Lot Size Units Acres

Lot Size Square Feet 4920.0

Property Attached Y/N N

Building Area Units Sqft

Living Area Units Sqft

Standard Status Active

Freehold IDX

Interior

Flooring Laminate

Total Stories 1

Air Conditioning Y/N N

Heating Y/N N

Fireplace Y/N N

Half Baths 1

Laundry Features Electric

Total Bedrooms 2

Total Baths 2

Exterior

Fencing Full

Parking Features None Known

Water Source Available

Total Parking 0.0

Lot Size Area 0.11

Building Area Total 981.0

Waterfront Y/N N

* Excluded Features

List By

Javier A Hernandez Jr

Listing Agent

Compass

Broker

(619) 738-4006

Phone

Affordability Calculator

$7,798

Per Month

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

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Interest Rate

Yearly Property Taxes

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 ^$1,550,367

Percent of Sale Price 24%

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.

281193 Elementary School

281006 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
10/29/2025	$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 0.112948. 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 San Diego Multiple Listing Service, Inc.

This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by San Diego Multiple Listing Service, Inc. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright.

Data is updated as of 12/25/2025.

CA BRE #019180026.

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4495 Montalvo St

Single Family Home for sale in San Diego, CA

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