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3939 Santa Cruz Ave1 / 43 · Click to zoom

About this home

Nestled in the heart of Ocean Beach, 3939 Santa Cruz Avenue offers an incredible opportunity to own a charming home just minutes from the sand, the vibrant shops and restaurants of Newport Avenue, and all on a rare quiet cul-de-sac. Situated on a generous 6,100-square-foot lot, this approximately 1,650-square-foot home features a spacious backyard with plenty of room to relax, entertain, garden, or expand your outdoor living space. Inside, you'll find a beautifully remodeled kitchen that serves as the centerpiece of the home, while the remainder of the property provides a fantastic opportunity for the next owner to update and customize to their own style and vision. Whether you're looking for a primary residence, vacation home, or investment in one of San Diego's most sought-after coastal neighborhoods, this property offers the perfect combination of location, lot size, and untapped potential.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$1,200,000 · Jun 2026
📋 Assessed value$438,090
💵 Annual tax$5,846
🏫 School districtSan Diego City Unified School District

MLS #260017602SD

🔥 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

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Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$9,898
Principal & interest$7,989
Property tax$1,448
Home insurance$461
Down payment: $315,980Loan: $1,263,920

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