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10964 Deering St1 / 46 · Click to zoom

About this home

Spacious. Versatile. Move-In Ready. Expanded with permitted additions in 2006 and 2026, this beautifully updated home offers a flexible floor plan with 4 bedrooms, 4 bathrooms, and 3 bonus rooms ideal for a home office, gym, media room, Junior ADU, or a guest space. A unique split-wing design provides a private 2-bedroom, 2-bath suite with its own sitting area, perfect for multigenerational living, extended family, or long-term guests. Versatile layout may also appeal to buyers exploring specialty residential uses - residential care home, sober living, or assisted living operation, subject to buyer verification of zoning, licensing, and all applicable governmental requirements (the property is not currently operated as a care facility, and the sellers make no representation that such a use is permitted).

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$345,000 · May 2003
📋 Assessed value$638,319
💵 Annual tax$8,320
🏫 School districtSan Diego City Unified School District

MLS #260018415

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

Estimate your monthly payment. Adjust the numbers to fit your budget.

Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$8,458
Principal & interest$6,826
Property tax$1,238
Home insurance$394
Down payment: $270,000Loan: $1,080,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.