masterkey logo
2164-66 S 40th St
Score
73
San Diego, CA

2164-66 S 40th St

949K
3 bd • 2 ba • 1,275 sf

This analysis was generated on 5/3/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

AI Property Analysis

0:00
0:00 / 0:00

Property Overview

List Price
$949,000
+25%vs 92113
Price/Sq.Ft
$744
+33%vs 92113
Within Fair Range
within range

Current Price

$949,000

Fair Range

$925,000 - $950,000

$949,000
Below Market-20%
Above Market+20%

Negotiation Leverage

5 points to consider in your offer

Recommended Offer

$925,000
Success Probability:High(75%)

AI Rationale

Considering the necessary repairs and cooling market.

Overall Score
73
73
Home Condition
78
Natural Light
83
Value
58
Location

Visual Insights

AI-analyzed spaces with reimagining capabilities

Laminate Flooring
Laminate Flooring

Laminate Flooring

The wood-look flooring throughout the living spaces, kitchen, and bedrooms appears to be laminate, which is less durable and valuable than hardwood.

Unfinished Garage Ceiling
Unfinished Garage Ceiling

Unfinished Garage Ceiling

The garage conversion has exposed ceiling joists and lacks proper insulation, making it less comfortable and energy-efficient.

Outdated Bathroom
Outdated Bathroom

Outdated Bathroom

The bathroom features outdated fixtures and finishes, including a pedestal sink and basic shower curtain.

Exterior Stucco
Exterior Stucco

Exterior Stucco

The exterior stucco appears dated and could use a refresh.

Cluttered Laundry Area
Cluttered Laundry Area

Cluttered Laundry Area

The laundry area is cluttered and disorganized, reducing its functionality and aesthetic appeal.

Old Water Heater
Old Water Heater

Old Water Heater

The water heater appears old and may need replacing soon.

Gravel Backyard
Gravel Backyard

Gravel Backyard

The backyard is gravel and could benefit from landscaping to improve its appeal.

Dark Tile Backsplash
Dark Tile Backsplash

Dark Tile Backsplash

The kitchen backsplash features a dark, narrow tile that may not appeal to all buyers and could make the space feel smaller.

Overgrown Landscaping
Overgrown Landscaping

Overgrown Landscaping

The exterior landscaping is overgrown and obscures the house, reducing curb appeal.

Faded Exterior Paint
Faded Exterior Paint

Faded Exterior Paint

The exterior stucco appears to be in good condition, but a fresh coat of paint could enhance curb appeal.

Renovation Assessment

Prioritized renovations based on property inspection and market impact.

High Priority Renovations

$0

No required renovations identified

Note: these are rough estimates. For more accurate estimates, please contact a professional.

Ownership History

Previous ownership changes and transaction details

Aug
2017
$498,000Cash Purchase
August 16, 2017
From:J & L Holdings Llc
To:Jennifer Denley
Grant Deed
Non-Residential Arm's Length Transactions

Pricing History

Historical pricing trends for this property

Monthly Costs

Interactive breakdown of estimated monthly expenses

Monthly Cost
$0123456789012345678901234567890123456789
$949,000
-30%List: $949,000+30%
20%
$189,800of $949,000
7%
1%15%
* Estimates based on a 30-year fixed mortgage. Property tax rate: 1.2%, Home insurance: $3,986/year

Upfront Transaction Costs

Estimated costs due at closing, including down payment and fees

Total Due at Closing
$252,860
Closing Costs
+$63,060
Down Payment
$189,800
Buyer Agent Fee
$24,200
Loan Fees
$7,592
Title & Escrow
$5,694
Inspections
$900
Transfer Tax
$10,439
Prepaid Expenses
$14,235

* Estimated costs based on typical rates. Actual costs may vary by location, lender, and transaction details.

** Buyer agent fees are negotiable and may sometimes be covered by the seller.

Buyer Power Index

5
/10
Limited Buyer Power
Market Speed
2 days
vs 49 day average
This home has been listed for 2 days, while homes in this area typically sell in 49 days
Inventory Health
31
homes for sale
11 homes sold last month, indicating 2.8x more supply than demand
Price Dynamics
97.5%
of asking price
Homes typically sell for 2.5% below asking price

Price Trajectory

$679,500
Current median price
0.0%
Year over year
Cooling
Heating
Market favors buyers
Market favors sellers
Market Is heating
Prices are up 4.5% over the last 3 months
3 Months
+4.5%
6 Months
-1.5%
1 Year
0.0%

Historical Market Pulse

Key metrics over time, revealing market momentum and patterns

Negotiation Insight

Days on market increasing 86.8% over the past 3 months suggests growing buyer leverage.

Historical Comparison
Current Value
$679,500
3 Months Ago
$423,500
+60.4%
Subject Property
Comparable Sales
View on Zillow

Subject Property

Price
$949,000
Price/sqft
$744
Layout
3 bd2 ba
Days on market
2 daysat time of analysis

Stats in the Area

Based on 6 comparable properties nearby

Average Price

$730,000

30.0%

Your price is 30.0% above average

Median Price

$780,000

21.7%

Based on 6 recent sales

Price per Sq.Ft

$568

31.0%

Your price is 31.0% above average $/sqft

Comparable Properties

236 B Ave, National City, CA 91950
Price: $730,000
Sq.Ft: 1,200
Beds/Baths: 3/2
$/Sq.Ft:
$60818.3%
Sale Date: 3/18/2025
1129 Coolidge Avenue, National City, CA 91950
Price: $680,000
Sq.Ft: 1,268
Beds/Baths: 3/2
$/Sq.Ft:
$53628.0%
Sale Date: 2/7/2025
4721 Magnus Way, San Diego, CA 92113
Price: $790,000
Sq.Ft: 1,365
Beds/Baths: 4/2
$/Sq.Ft:
$57922.2%
Sale Date: 2/21/2025
505 E 4th St, National City, CA 91950
Price: $840,000
Sq.Ft: 1,300
Beds/Baths: 4/2
$/Sq.Ft:
$64613.2%
Sale Date: 1/13/2025
232 E 16th St, National City, CA 91950
Price: $780,000
Sq.Ft: 1,235
Beds/Baths: 3/2
$/Sq.Ft:
$63215.1%
Sale Date: 1/17/2025
132 Palm Ave, National City, CA 91950
Price: $560,000
Sq.Ft: 1,385
Beds/Baths: 4/2
$/Sq.Ft:
$40445.7%
Sale Date: 1/15/2025

Schools

Nearby school quality by education level

Elementary

3.3/10
Below Average

Middle

2.6/10
Below Average

High

3.7/10
Below Average

Neighborhood Mobility

How easily you can get around with or without a car

Scores are out of 100. Higher scores indicate better accessibility. Data provided by Walk Score®.

Climate Risks

Assessment of climate-related hazards for this property

Moderate Risk Profile

This property has 0 severe, 0 major, and 3 moderate risk factors

Climate risk data is based on historical patterns and projections. Consider consulting with insurance providers and local experts for property-specific assessments.

Safety Analysis

46/100
Average

Based on data from National City Police Department

Total Crime Rate
2059.5
per 100,000 residents
Violent Crime Rate
846.0
per 100,000 residents
Property Crime Rate
1202.5
per 100,000 residents

Crime Rate Comparison

Recent Crime Trends

2022
Violent Crimes
834
Property Crimes
1,257
2023
Violent Crimes
858
2.9%
Property Crimes
1,170
6.9%

Sunlight Analysis

Data provided by Shadowmap

Loading sunlight data...

Tour Checklist

Key items to inspect during your property tour

Inspect the converted garage for proper permitting and adherence to building codes.

Thoroughly inspect both units for any signs of pest infestation (termites, rodents).

Inspect the sewer line access point and inquire about the scope of the 'replaced main sewer line'.

Inspect the foundation of both units for cracks, settling, or signs of water intrusion.

Inspect the roof for any signs of damage, such as missing shingles, leaks, or sagging.

Questions to Ask

Important questions to ask during the tour

Can you provide documentation regarding the replaced main sewer line, including the scope of the work and any warranties?

Were permits pulled for the garage conversion, and can you provide documentation?

Given the flood risk assessment, has the property ever experienced flooding, and what flood insurance coverage is in place?

Showing critical items first. Click any item to see why it's important. Red icons indicate highest priority items that should not be missed.

Property Discussion

Start the Conversation

Share your insights on this property—did you visit the open house? Know of any hidden pros or cons? Your street-level knowledge could be exactly what another buyer needs.

You
Join 1,000+ buyers

Analyze Any Property for Free

Get instant insights and potential savings on any Zillow listing.

Free Analysis
AI-Powered Insights
Instant Results