4827 Bayard St, San Diego, CA — $2,195,000

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About this home

2-BLOCKS TO THE OCEAN!!! Tax record reflects 4 bedroom 2 bath. This Charming Beach Home has been transformed into a stunning 3 bedroom, with optional 4th bedroom, 2 bath stunner with an option to add an ADU. Zoned R2 minor multiple. Incredible light and bright open floor plan. A Plus Plus Location!!! Just 2 blocks to world famous Law Street Beach. Walk to the Boardwalk, Garnet, the Beach, Restaurants, Clubs, Shopping and more! This property would make a great Primary Residence, 2nd Home, STR, or Long Term Rental. Come see it now before its gone.

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Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk

🏷 Last sold$1,500,000 · Mar 2025

📋 Assessed value$1,530,000

💵 Annual tax$1,640

🏫 School districtSan Diego City Unified School District

MLS #260015059

🔥 Risk & insurability

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

🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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VA loan (no PMI)

Estimated total monthly payment

$13,751

Principal & interest$11,099

Property tax$2,012

Home insurance$640

Down payment: $439,000Loan: $1,756,000

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