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3746 Harding Ave1 / 35 · Click to zoom

About this home

Move-in ready and built for real life, 3746 Harding Ave delivers the space and flexibility that's genuinely hard to find at this price point in San Diego. This 3-bed, 3-full-bath home spans 1,955 sq ft across a thoughtful two-story layout - multiple living areas on the main level give you room to spread out, work from home, or host, while three generously sized bedrooms and two private balconies upstairs make the space feel like home the moment you walk in. The sellers have taken care of everything: new mini-split system (2025) for year-round comfort, low-maintenance front turf, updated appliances and fixtures, fresh interior paint, and new balcony flooring. Nothing to fix, nothing to wait on - just move in and settle in. Alley access to the back of the property provides additional parking - a practical bonus that's harder to come by than most buyers expect. Located on a quiet residential street with quick access to the 15, 805, and 94, you're minutes from Downtown, Chula Vista, and Mission Valley - central to everything San Diego has to offer. A well-maintained home with real space, real updates, and a location that works - 3746 Harding Ave is ready when you are.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$689,000 · Jul 2024
📋 Assessed value$702,779
💵 Annual tax$9,110
🏫 School districtSan Diego City Unified School District

MLS #260014986SD

🔥 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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Estimated total monthly payment
$4,943
Principal & interest$3,990
Property tax$723
Home insurance$230
Down payment: $157,800Loan: $631,200

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