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2805 State St1 / 48 · Click to zoom

About this home

Rarely available South Mission Hills Craftsman featuring three separate residences: a studio with floor-to-ceiling windows and unobstructed canyon views toward Bankers Hill and downtown, a spacious one-bedroom/one-bath, and a front two-bedroom/one-bath with peek views of the bay, downtown, Point Loma, and the airport. All units are privately entranced. Original period lighting, sconces, preserved woodwork, vintage bathrooms, covered porch with oversized timber beams, and masonry walls elevate the property from the street. Sensitive improvements, including historically appropriate replacement windows installed through the Quieter Home Program. A rare amenity in South Mission Hills, the property offers six on-site parking spaces (including two one-car garages) plus additional storage beneath the home. The three-unit configuration offers flexibility for owner occupancy, multigenerational living, or investment. Buyers to verify zoning, rental regulations, licensing requirements, intended uses, and potential Mills Act eligibility.Minutes to downtown, Little Italy, Balboa Park, the waterfront, dining, shopping, and major transportation.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$234,000 · Aug 1988
📋 Assessed value$447,869
💵 Annual tax$6,054
🏫 School districtSan Diego City Unified School District

MLS #260018142SD

🔥 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
$10,493
Principal & interest$8,469
Property tax$1,535
Home insurance$489
Down payment: $334,980Loan: $1,339,920

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