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4539 Gila Ave1 / 31 · Click to zoom

About this home

Welcome to 4539 Gila Avenue, a fully renovated Bay Ho home offering modern upgrades and exceptional ADU potential for the future. This turnkey 3-bedroom, 2-bath residence features 1,342 square feet of thoughtfully redesigned living space with updated plumbing, electrical, and HVAC, providing peace of mind alongside stylish finishes throughout. The bright, open layout flows seamlessly to the expansive backyard, offering ample outdoor space for entertaining, relaxing, and enjoying San Diego's year-round climate. Situated on a generously sized lot with alley access, this property presents a rare opportunity to create additional living space, generate rental income, accommodate multigenerational living, or enhance long-term property value through the addition of an ADU. Ideally located in the desirable Bay Ho neighborhood, you'll enjoy convenient access to Mission Bay, beaches, shopping, dining, parks, and major freeways. Whether you're looking for a beautifully updated home, an investment opportunity, or both, 4539 Gila Avenue delivers the rare combination of move-in-ready comfort and significant upside potential.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$802,000 · Dec 2025
📋 Assessed value$414,486
💵 Annual tax$5,644
🏫 School districtSan Diego City Unified School District

MLS #260015611

🔥 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
$7,205
Principal & interest$5,815
Property tax$1,054
Home insurance$335
Down payment: $230,000Loan: $920,000

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