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4127 38th 1 — San Diego — 2 Beds • 2 Baths • 936 Sq Ft | Belmont Brokerage | Belmont Brokerage

Pending

+21 more

$475,000

32 DOM

$507/sqft2 bd2 ba936 sqftHOA ~370/mo

Call

4127 38th 1 San Diego, CA 92105

HUGE PRICE REDUCTION! Spacious 2 bed, 2 bath ground-floor condo in a small, well-maintained gated community of only 10 units. Open living and dining area with LVP flooring throughout and natural light. Updated kitchen with granite countertops and stainless steel appliances. Large bedrooms with ample closet space, including a primary suite with walk-in closet and its own private bathroom. Washer and dryer in-unit plus additional storage for each unit. Enjoy a charming courtyard setting in a quiet neighborhood. LOW HOA with newly installed roof by the HOA. You have your own assigned parking spot and ample street parking! Conveniently located just off University Ave, close to freeway access and just minutes from the vibrant dining, breweries, and shops of North Park.

MLS 260005778SD

619-848-7006 (Office) 858-722-8640 (Cell) teambalch@gmail.com

Est. payment

$3,406/mo

Principal & interestTaxesInsuranceHOA

$2,402$495$139$370

Down %

Rate %

Years

Down payment: $95,000 · Total cost: $959,669

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$3,406/mo

Principal & interest: $2,402
Est. property tax: $495
Est. insurance: $139
HOA (normalized / mo): $370
Down payment: $95,000

Est. gross rent$1,979/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)$-1,427/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

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Price History

Event	Date	Price	Change
Listed	Mar 11, 2026	$495,000	—

Facts & Features

Transaction Data

▼Price Reduced from $495,000 (−$20,000)

HOA Fee$370.12/monthly

Structure & Property

Year Built1982

619-848-7006 (Office) 858-722-8640 (Cell) teambalch@gmail.com

Sale & Tax History

No Recent Sales History

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

Location

4127 38th 1, San Diego, CA 92105

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4127 38th 1 San Diego, CA 92105

About this home

Tina Balch

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Tina Balch

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

4127 38th 1, San Diego, CA 92105

About This Property

Property Photos

4127 38th 1 San Diego, CA 92105

About this home

Tina Balch

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Tina Balch

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.