5119 Lotus St, San Diego, CA — $1,050,000 | SoCal Realty & Investments

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About this home

Whether you're a surf enthusiast chasing morning waves, a foodie exploring Newport Ave, or simply unwinding in a sun soaked coastal town, this Ocean Beach Cottage is the perfect coastal retreat. Ideally located close to everything -this completely remodeled & upgraded 1-bedroom house has all the space you need for living your best life in OB. Enjoy the laid back SoCal lifestyle with easy access to surf, sunsets, and seaside fun. OBs known for its welcoming dog friendly vibe, with weekly farmers markets and casual coastal charm. With strong rental appeal, this short term rental is a great choice for investors or anyone looking to share this lifestyle with guests year- round. Possible to buy with the one nextdoor at 5123 Lotus.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneA / High Risk

🏷 Last sold$745,000 · Aug 2024

📋 Assessed value$759,900

💵 Annual tax$9,881

🏫 School districtSan Diego City Unified School District

MLS #260003318SD

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone

🌊 FEMA flood zoneZone A — high flood risk (insurance typically required)

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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VA loan (no PMI)

Estimated total monthly payment

$6,578

Principal & interest$5,309

Property tax$963

Home insurance$306

Down payment: $210,000Loan: $840,000

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