Jeanne(Kerry) Davidson

Jeanne(Kerry) Davidson

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$2,599,000

($1,860,760 down)
VA

4368 Adams Avenue, San Diego, CA 92116

3
4
2,678 sqft
PITI Monthly
$6,351.51 /mo

Listing courtesy of: Stephanie Janicki, First Team Real Estate

Assumed Rate

2.77%
7.15%

Principal & Interest

$3,344 /mo
$5,519 /mo

What's Special

DINING
MODERN
LUXURY
BALCONY
HISTORIC

Elegant 1929 Spanish Revival with Mills Act in Kensington Discover timeless sophistication in this beautifully preserved 1929 Spanish Revival, nestled on a picturesque street in the heart of Kensington. With historic designation and the coveted Mills Act in place, enjoy significant property tax savings while living in one of San Diego’s most beloved architectural gems in the most cherished neighborhood. The home welcomes you with a grand wraparound staircase, accessible from both the formal foyer and the updated kitchen. Inside, the formal living room showcases a traditional Spanish hearth, while the coffered ceiling in the dining room adds warmth and elegance—perfectly complemented by French doors that open to the backyard for effortless indoor/outdoor entertaining. Upstairs, the oversized primary suite offers a rare combination of comfort and luxury with an adjoining dressing room, private office, and a balcony that overlooks the tranquil courtyard below. Two additional bedrooms, both with en-suite baths, provide privacy and charm, while a thoughtfully placed powder room on the main level enhances convenience for guests. The kitchen has been tastefully updated to maintain its period character while offering modern functionality—ideal for both casual meals and elevated dinner parties sure to impress! With rich architectural details throughout, private and lush outdoor space located just steps from Kensington’s vibrant restaurants, cafés and boutiques, this home is a true San Diego treasure.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
2.77
Remaining Loan Term
25 years, 10 months
Monthly PITI
$6,351.51/mo
Estimated Loan Balance
$743,138
Cash to close
$1,860,760
Interest Paid
$90,023

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Wood

Exterior

Fencing
  • Fencing: Partial
Roof
  • Roof: SpanishTile
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Mediterranean
Materials
  • Unknown
  • Roof: SpanishTile
Condition
  • Year Built: 1929
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Kensington
  • Features: StreetLights, Sidewalks
HOA
  • Has HOA: No
Location
  • Region: San Diego

Financial Details

  • Price per Sqft: $970.5
  • Tax Annual Amount: $32487.5
  • On Market Date: 2025-04-18T00:00:00.000Z
Inquire about this property

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Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $1,860,760 (72%)
You can enter any amount below - secondary financing will cover the difference if needed.
72%
$

You cover the entire equity of $1,860,760!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage2.77% Sellers Rate
$738,240
Your Cash:$1,860,760
Total Purchase Price:$2,599,000

Assumed vs Traditional Mortgage

Assumed @ 2.77%
$3,344/mo
Traditional @ 7.15%
$5,724/mo
You save $2,380/month ($28,560/year)

*Secondary financing rates are an estimated value based on input

MLS ID: OC25079955

Listing From:

Last updated: 2025-04-24T00:04:35.000Z

© , CRMLS. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

2.77%
7.15%

Principal & Interest

$3,344 /mo
$5,519 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $1,860,760 (72%)
You can enter any amount below - secondary financing will cover the difference if needed.
72%
$

You cover the entire equity of $1,860,760!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage2.77% Sellers Rate
$738,240
Your Cash:$1,860,760
Total Purchase Price:$2,599,000

Assumed vs Traditional Mortgage

Assumed @ 2.77%
$3,344/mo
Traditional @ 7.15%
$5,724/mo
You save $2,380/month ($28,560/year)

*Secondary financing rates are an estimated value based on input

Follow Us
HomeSmart
Agent/Broker
Jeanne(Kerry) DavidsonHomeSmart(602) 826-3697kerry@myagent.netMLS BR631128000

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than HomeSmart are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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