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3281 Loma Riviera Drive — San Diego — 4 Beds • 3 Baths • 1,716 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

OPEN APR 17 · 10AM – 1PM

+53 more

$930,000

40 DOM

$542/sqft4 bd3 ba1,716 sqftHOA ~740/mo

Call

3281 Loma Riviera Dr San Diego, CA 92110

5.24acre lot

Welcome to this beautifully appointed townhome in the highly sought-after Loma Riviera community of Point Loma, with thoughtfully updated living spaces that blend comfort and functionality in an exceptional coastal location. Step inside the light-filled living space to an inviting open layout. The updated kitchen serves as the heart of the home, featuring a new kitchen island, quartz countertops with matching backsplash, and new SS sink, creating a modern and functional space ideal for everyday living and entertaining. The home has undergone extensive updates, including refreshed and modernized bathrooms with upgraded plumbing, new vanities, tile flooring, new tub surround tile, and full shower renovation. Restored and revitalized hardwood flooring and new baseboards throughout the property enhance both the style and comfort of the interior spaces. Additional highlights include central A/C, laundry room, abundant storage, and adjacent carport with the parking spots. The generous living area flows seamlessly to a large private back patio, creating ideal indoor-outdoor living. The home also offers multiple outdoor spaces, including a front patio and two private balconies, perfect for enjoying coastal breezes and San Diego’s year-round sunshine. Residents of Loma Riviera enjoy resort-style amenities including a community pool, clubhouse, BBQ area, and beautifully maintained grounds. Ideally located minutes from San Diego’s beaches, shopping, dining, and major freeways, this home offers the perfect blend of relaxed coastal living and everyday convenience. FHA and VA approved!

MLS 260005223SD

858-345-4514 (Office) 619-838-3179 (Cell) amanda.olivas@compass.com

Est. payment

$6,683/mo

Principal & interestTaxesInsuranceHOA

$4,703$969$271$740

Down %

Rate %

Years

Down payment: $186,000 · Total cost: $1,878,931

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$6,683/mo

Principal & interest: $4,703
Est. property tax: $969
Est. insurance: $271
HOA (normalized / mo): $740
Down payment: $186,000

Est. gross rent$3,875/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-2,808/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Virtual Tour

Explore 3D Space

Opens interactive virtual tour

Price History

Event	Date	Price	Change
Listed	Mar 5, 2026	$950,000	—

Facts & Features

Transaction Data

▼Price Reduced from $950,000 (−$20,000)

HOA Fee$740/monthly

Structure & Property

Year Built1965

858-345-4514 (Office) 619-838-3179 (Cell) amanda.olivas@compass.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

3281 Loma Riviera Drive, San Diego, CA 92110

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Call

3281 Loma Riviera Dr San Diego, CA 92110

About this home

Amanda Olivas

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Amanda Olivas

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

3281 Loma Riviera Drive, San Diego, CA 92110

About This Property

Property Photos

3281 Loma Riviera Dr San Diego, CA 92110

About this home

Amanda Olivas

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Amanda Olivas

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.