4636 Hartley Street 3, San Diego, California 92102, San Diego, 92102 - 2 bed, 3 bath
ACTIVE$610,000
4636 Hartley Street 3, San Diego, California 92102
2Beds
3Baths
1,141Sqft
Lot
Year Built
1995
Close
-
List price
$610K
Original List price
$610K
Price/Sqft
$535
HOA
$330
Days on market
-
Sold On
-
MLS number
250043454SD
Home ConditionGood
Features
Deck
Spa
Patio
View-
About this home
We found 3 Cons,5 Pros. Rank: price - $610.0K(80th), sqft - 1141(90th), beds - 2(50th), baths - 3(95th).
Possible VA Assumable loan at 4.9% interest rate! This spacious 2-bedroom, 3-bath townhouse features upgraded Luxury Vinyl Plank flooring, all-new Pex plumbing, a private yard with newly installed turf and Vinyl fencing. The low HOA of $330/month includes water, sewer, and trash pickup. The home also comes with 2 assigned parking spaces in front. Conveniently located just 10 minutes from 32nd Street Naval Base, minutes to downtown San Diego, shopping, dining, and the trolley, with easy freeway access. This is a rare opportunity for active-duty military or buyers looking to assume a low-rate VA loan and enjoy a move-in ready home with modern upgrades and comfortable, functional living spaces.
Nearby schools
7/10
Chollas/Mead Elementary School
Public,•K-5•0.2mi
4/10
Horton Elementary School
Public,•K-5•0.5mi
2/10
Millennial Tech Middle School
Public,•6-8•0.6mi
3/10
Memorial Scholars & Athletes School
Public,•6-8•2.4mi
4/10
Lincoln High School
Public,•9-12•0.5mi
Price History
Date
Event
Price
11/06/25
Listing
$610,000
06/27/22
Sold
$565,000
12/18/09
Sold
$105,000
11/01/04
Sold
$325,500
Condition Rating
Good
This townhouse is in good condition, offering a move-in ready experience with several significant recent upgrades. The property features new Luxury Vinyl Plank flooring throughout, all-new Pex plumbing, newly installed turf and vinyl fencing in the private yard, and modern mini-split AC units, all contributing to a comfortable and functional living space. While the kitchen boasts modern stainless steel appliances and updated white shaker-style cabinets, the black granite countertops and fluorescent panel lighting appear dated. Similarly, the bathrooms are clean and functional, but the vanity countertops, light fixtures, and basic shower inserts reflect an older style. These cosmetic elements prevent an 'Excellent' rating, but the overall condition, recent major system upgrades, and general upkeep align well with a 'Good' score.
Pros & Cons
Pros
VA Assumable Loan Opportunity: The property offers a rare and highly attractive VA assumable loan at a 4.9% interest rate, providing significant financial savings compared to current market rates for eligible buyers.
Extensive Modern Upgrades: Recent upgrades include new Luxury Vinyl Plank flooring, all-new Pex plumbing, and a private yard with newly installed turf and vinyl fencing, making the home move-in ready and reducing immediate expenses for the buyer.
Prime Location & Accessibility: Conveniently located just 10 minutes from 32nd Street Naval Base, minutes from downtown San Diego, shopping, dining, and the trolley, with easy freeway access, offering excellent connectivity and lifestyle benefits.
Low HOA with Inclusions: The low HOA fee of $330/month includes water, sewer, and trash pickup, providing good value and simplifying monthly utility management for residents.
Private Outdoor Space & Parking: The property features a private yard with new turf and fencing, a desirable amenity for townhouse living, complemented by two assigned parking spaces directly in front of the unit.
Cons
Mixed School Ratings: While there is a highly-rated elementary school nearby, several middle and high schools in the immediate vicinity have lower ratings (2-4), which may be a consideration for families prioritizing top-tier public education.
Potential Lack of Central Cooling: The property description does not mention a cooling system (e.g., central AC), which could be a drawback during warmer months in San Diego.
Shared Walls & HOA Restrictions: As a townhouse within a condominium structure, the property inherently involves shared walls and is subject to HOA rules and regulations, which may limit personal modifications or outdoor usage compared to a detached single-family home.