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3624 White Sage Ln1 / 45 · Click to zoom

About this home

Welcome to 3624 White Sage Ln, an exceptionally rare offering in the highly sought-after Bay Ridge community. Situated on the largest lot in the entire development, this property presents a truly unique opportunity with the potential to add a detached ADU, creating the possibility for a 5-unit income-producing compound in the heart of central San Diego (concept plans available). HOA approval allows for ADU construction potential rarely found within attached-home communities, making this an outstanding opportunity for investors, multigenerational living, or buyers seeking long-term upside. Featuring one of the most desirable floor plans in Bay Ridge with a loft layout, the home combines flexibility, privacy, and development potential in a way that is exceedingly difficult to find. Tucked into a quiet and secluded section of the neighborhood, the expansive backyard offers an incredible amount of usable outdoor space along with the rare ability to further maximize the property s potential. Inside, the residence has been thoughtfully updated with a remodeled kitchen, upgraded finishes throughout, and a functional open layout designed for comfortable everyday living. The loft configuration adds architectural character and versatility, while the indoor-outdoor flow opens seamlessly to the oversized patio and grounds. Properties offering this combination of lot size, ADU potential, location, and existing upgrades are extraordinarily rare, especially within a newer-built community in central San Diego. Whether you're searching for a primary residence with future flexibility or a unique value-add investment opportunity, 3624 White Sage Ln stands in a category of its own. Virtual renderings included for illustrative purposes only. Buyer to verify all ADU potential, approvals, permits, HOA requirements, and development feasibility.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$445,000 · Feb 2006
📋 Assessed value$620,238
💵 Annual tax$8,077
🏫 School districtSan Diego City Unified School District

MLS #PTP2604432MR

🔥 Risk & insurability

🔥 Fire hazard zoneVery High
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Estimated total monthly payment
$6,259
Principal & interest$5,051
Property tax$916
Home insurance$291
Down payment: $199,800Loan: $799,200

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