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Live directly on the sand at one of Sail Bay’s most coveted waterfront addresses. This rare, ground-floor, single-level three-bedroom, two-bath residence offers true beachfront living with panoramic bay views and effortless indoor–outdoor flow—just steps from the water and moments from the Pacific Ocean. Positioned along the calm, swimmable shores of Sail Bay, the home opens to an exclusive-use beachfront patio, where mornings begin with glassy water and evenings wind down with golden sunsets reflecting across the bay. Inside, generous living spaces are designed to capture the view, creating a relaxed coastal atmosphere that feels equally suited for full-time living or extended stays with family and friends. Beyond lifestyle, this property stands out as a proven income-producing short-term rental, with a decade-long track record of strong performance and loyal repeat guests. Few opportunities combine this level of location, usability, and rental demand—making it ideal for buyers seeking both enjoyment and long-term value. Set within an intimate four-unit, secure building, owners enjoy low $350/mo HOA dues, full-size in-unit laundry, a private one-car garage, plus an additional parking space. Just steps to Sail Bay and less than half a mile to the ocean, this home is walkable to the Catamaran Resort, waterfront dining, and the vibrant coastal lifestyle Pacific Beach is known for. Whether you envision it as a legacy family retreat or a high-performing coastal investment, this is a property that delivers today—and endures for years to come.
Listing agent: Scott Ryan DRE #01398461 scottryan@compass.com, Listing office: Compass
MLS data updated 10/16/2026, 9:03:21 PM PT
Source: CRMLS, MLS #: 260024745SD
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Oct 13, 2026
Prices use the left axis; mortgage rates use the right. Hover, tap, or focus the chart and use the arrow keys. Red SOLD badges mark recorded sales.
This home · nearest recorded event
$3,199,000Original asking price · Oct 13, 2026ZIP 92109 · Oct 2026
No monthly averageAt least 3 eligible sales in this month are required.30-year fixed mortgage benchmark
No weekly rateNo published rate within 7 days of this date.No recorded sales in this range. Select All available for older records; missing records do not mean the home never sold.
ZIP averages use publicly displayable closed sales from our licensed MLS feed, matched to the same ZIP and exact property type. Months with fewer than 3 sales are omitted; the current month is incomplete. Lines connect available monthly observations across gaps and do not represent measured prices in missing months. These averages are not adjusted for size, condition, or location within the ZIP, and are not an appraisal. Feed coverage may not include every sale. All available shows the available home and ZIP history, with mortgage rates over the same dates.
Mortgage benchmark: Freddie Mac Primary Mortgage Market Survey®. © Freddie Mac. Weekly national 30-year fixed rates, not APRs or a loan quote. Actual terms vary. Methodology changed in November 2022. The chart does not establish that interest-rate changes caused a home’s price changes.
Lines connect recorded asking and sale prices. They are visual guides, not estimates of the home’s value between those dates.
No earlier records were returned by our current sources. This does not mean the home has never sold.
MLS records may be incomplete. Earlier asking prices are not sale prices.