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Jenn Smart

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3296 Talbot , San Diego, CA 92106
$1,850,000
Est. Payment: $4,111.11/mo
5 Bed
3 Bath
1716 Sqft
0.17 Acres
Status: pending | Days on site: 77
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SAND-8517 - SAND-654337
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House Description

WELCOME HOME TO POINT LOMA’S FINEST DUPLEX! This fully remodeled, turnkey home and ADU showcases modern upgrades throughout, including NEW luxury vinyl flooring, NEW cabinetry, NEW countertops, NEW hardware, NEW plumbing, NEW appliances, fresh interior paint, and updated lighting—offering a seamless blend of style, comfort, and coastal charm. Every detail has been thoughtfully curated to create light, bright, and inviting living spaces. The front residence features a charming 2-bedroom, 1-bath layout complete with a private front yard and in-unit washer and dryer, perfect for relaxed everyday living. Tucked away in the rear, the second unit offers a spacious 3-bedroom, 2-bath layout with a large backyard highlighted by a beautiful wood deck—ideal for summer BBQs and entertaining—while enjoying peek-a-boo views of San Diego Bay. Ideally located just steps from the San Diego Bay, and minutes to top restaurants, water sports, scenic walking paths, and all that Point Loma has to offer, this property delivers the ultimate coastal lifestyle. Whether you’re looking for a savvy investment, multi-generational living, or the opportunity to offset your mortgage with rental income, this duplex offers exceptional versatility and long-term value. Stylish, flexible, and income-producing—this is a rare opportunity you won’t want to miss! DUPLEX CONVERSION & DESCRIPTION BELOW Main Home - 3296 Talbot St Standard ADU - 3294 Talbot St Originally a 5-bedroom home, this property has been thoughtfully renovated into two units, offering flexibility and functionality: Front Unit: 2-bedroom, 1-bath, approx. 750 sq ft Rear Unit: 3-bedroom, 2-bath, approx. 1,200 sq ft Washer & Dryer in both units

Highlights

Listed by Josephine Gaxiola , 213-219-1800 Compass , 858-375-7394. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.17

Year Built

1944

County

San Diego

Area

92106 - Point Loma

Neighborhood

Point Loma

Listing ID

260010366SD

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Gas Cooktop, Microwave, Refrigerator
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:All Bedrooms Down, Bedroom on Main Level
Water:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:4
Zoning:R-1:SINGLE
Roof:Composition
Others:
  • ▪ Additional:Stucco, Has ADU
Parking Features:Driveway
Principal Interest
$4,111
Taxes
$1,179

Home Price

$1,850,000

Loan Details

30 yrs
0%

Down Payment

20%
$370,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,111.11

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,111.11 $1,179.38 $0.00 $5,290.49
Yearly $49,333.33 $14,152.50 $0.00 $63,485.83
Total $1,480,000.00 $424,575.00 $0.00 $1,904,575.00
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (San Diego, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

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Data last updated: 2026-11-15T17:36:11.000Z

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