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4863 Polk Ave , San Diego, CA 92105
$659,000
Est. Payment: $3,327.76/mo
3 Bed
2 Bath
1150 Sqft
Status: active | Days on site: 47
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Agent profile image
Chris Heller
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House Description

Welcome to 4863 Polk Avenue—a thoughtfully upgraded City Heights home that blends flexibility, function, and everyday comfort. This 4-bedroom, 2-bath residence offers 1,150 square feet of well-designed living space, ideal for today’s dynamic lifestyle. What truly sets this home apart is its versatile split layout with separate entrances—perfect for multigenerational living, rental income potential, or a seamless live/work setup. The front portion of the home provides a comfortable living retreat, while the rear bedrooms offer privacy for guests, office space, or additional income opportunities. “Eligible for $15,000 forgivable loan (no payments, no interest) to cover closing costs, rate buy-down and/or down payment. 100% financing available with NO MI.” At the heart of the home, an updated kitchen opens into a spacious bonus room—creating a natural gathering space for entertaining, relaxing, or bringing everyone together. Natural light fills the interior, giving the home a bright and welcoming feel throughout. Major upgrades have already been taken care of, including a newer roof, updated plumbing, remodeled bathroom, and modernized electrical. Step outside to a private backyard space ready for your vision—whether it’s morning coffee in the sun, weekend gatherings, or creating your own outdoor oasis. Centrally located near schools, local dining, shopping, and public transit, this home offers both convenience and opportunity.
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Highlights

Listed by Sidnev Muldrow , 619-888-6255 Compass , 858-277-3325. San Diego County Multiple Listing Service mls logo

Property Type

Residential

Year Built

1942

County

San Diego

Area

Metro Uptown

 Neighborhood

City Heights

Listing ID

260014805

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Refrigerator, Washer, Gas Oven, Gas Stove
Air Cond:Wall/Window
Fireplaces:N/K
Floor:Tile,Vinyl Tile
Other:Ceiling Fan
Other:Meter on Property

Exterior Features

Garage Capacity:0
Roof:Composition,Shingle
Sewer:Sewer Connected
Parking Features:None Known
Principal Interest
$3,328
Taxes
$420

Home Price

$659,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$131,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,327.76

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,327.76 $420.11 $0.00 $3,747.87
Yearly $39,933.08 $5,041.35 $0.00 $44,974.43
Total $1,197,992.38 $151,240.50 $0.00 $1,349,232.88

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (San Diego, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

The data relating to real estate for sale on this web site comes in part from the San Diego MLS, Inc.. Real estate listings held by brokerage firms other than Heller Real Estate Group | eXp Realty of Southern California | PLACE are marked with the IDX logo. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

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Data last updated: 2026-08-10T20:38:14.000Z

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