1645 Emerald St, San Diego, CA 92109

1 bd · 1 ba · 650 sqft · built 1975 · San Diego · CONDOS·source listing ↗

$479,000

$525,000 first listed

seller intel

Price cut

−8.8%

from $525,000

Motivation score

49/100

OnePercent model (vv1)$2,792/mo

p10–p90 confidence band

HUD Fair Market Rent · 92109 · 1BR$3,040/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

San Diego

Flood risk indexRelatively High FEMA NRI

Median household income$122,128

Median area rent$2,421/mo

Median home value$1,226,900

the verdict

0.58%vs 0.8% target

financing: 20% down · — (FRED, live) · 30yr

$479,000

0.58% · rent $2,792

Intrinsic value · income approach

$864,246

45% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.