4495 Montalvo St offers a rare opportunity to invest in a beach-area property with fewer barriers to growth. Sitting just outside the Coastal Commission zone, improvements and permitting can be approached more directly and efficiently. The RM-3-7 zoning provides flexibility to unlock additional units or expand living space, giving you a clear path to maximizing long-term value. The existing 2 bedroom 1.5 bath home features updated interiors including refreshed baths, new flooring and light-filled living spaces with partial ocean views. Enrollment in the Quiet Home window upgrade program has already been approved for this year, further enhancing desirability. Perfectly positioned between Ocean Beach and Point Loma, this address offers strong lifestyle appeal and rental demand. Minutes to beaches, cafes, shopping and major connectors, it is truly an investment that performs today while offering meaningful development potential ahead.
MLS #
SD250042712
MLS Source
San Diego MLS
Days on Site
20
Appliances
Dishwasher, Garbage Disposal, Oven Range, Oven Range - Gas, Refrigerator, Dryer, Washer
Flooring
Laminate
Laundry
Hookup - Electric, In Laundry Room
Cooling
Window/Wall Unit
Heating
Gas - Natural, Wall Furnace
Roof
Shingle
Pool
Other
Garage/Parking
No Garage, Garage: 0 Car(s)
Water
Other
HOA Fee
$0
Zoning
R-4:MULTIP
Listing Agent
Javier Hernandez
Compass
License #: 02004707
Phone: (619) 738-4006
Co-Listing Agent
Nilab Azizi
Compass
License #: 02047962
Phone: (858) 847-8067
4495 Montalvo St is a Single Family Residence in San Diego, CA 92107. This 981 square foot property sits on a 4,920 Sq Ft Lot and features 2 bedrooms & 1 full and 1 partial bathrooms. It is currently priced at $1,250,000 and was built in 1940. This address can also be written as 4495 Montalvo St, San Diego, CA 92107.
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This listing information is up-to-date as of October 29, 2025. For the most current information, please contact Javier Hernandez, (619) 738-4006