3620 Cowley Way, San Diego, California 92117, San Diego, 92117 - 4 bed, 2 bath
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3620 Cowley Way
San Diego, California 92117
ACTIVE
CONDITION: FAIR
4Beds
2Baths
1,324Sq Ft
6,098.4Lot Size
Property Price
LIST PRICE$1,085,000
EST. MARKET VALUE
$1,029,065
5% AboveMARKET VALUE
SUMMARY
This Single Family Residence presents a Strong Value Opportunity, listed at $1,145,000—positioned well above the $1,053,857 Fair Market Value by 8%. While the property requires modernization due to its Fair Condition Rating, the four-bedroom floorplan and stone-terraced backyard offer significant potential for value-add renovations. Located in the desirable Bay Park area with proximity to Mission Bay, this home provides a functional layout for those willing to update vintage infrastructure. This is an ideal acquisition for Buy-and-Hold Investors or Owner-Occupants seeking a project in a prime coastal neighborhood.
Estimated Market Value
$1,029,065
Based on Realkey algorithm analyzing recent comparable sales in San Diego.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 3620 Cowley Way Subject | $1,085,000* List Price | 4 | 2 | 1,324 | $777 | - |
A 4036 Clairemont Drive Sold | $950,000 | 3 | 2 | 1,393 | $682 | 0.6 mi |
B 4034 Epanow Avenue Active | $1,095,000 List Price | 3 | 2 | 1,382 | $792 | 0.7 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Fair
TeardownExcellent
Property is moderate renovation needed.
Built in 1953, the property shows significant age with a dated kitchen featuring older cabinetry and appliances likely exceeding 20 years. While the listing notes cosmetic improvements like fresh paint and new flooring, the overall infrastructure and lack of recent major renovations to wet areas place it in the fair category, requiring modernization.
PROSSTRENGTHS & OPPORTUNITIES
- Prime Coastal Proximity
Situated in the highly desirable Bay Park area, the property offers exceptional access to Mission Bay, sandy beaches, and major transit corridors like the 5 Freeway.
- Turn-key Interior Updates
The home features immediate move-in appeal with fresh paint and new flooring throughout, complemented by a flexible and functional one-story floorplan.
- Efficient Four-Bedroom Configuration
Rare for this square footage, the layout includes four bedrooms with walk-in closets in both the primary and second bedrooms, maximizing utility for families or home offices.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Lot size discrepancy between mls listing and other public or private record. mls listing lot size in square feet =6098, other record lot size in square feet = 6000.
- Limited View Profile
Despite the sought-after South-West location in a neighborhood known for vistas, the property only offers 'peek-a-boo' views, which may impact its competitive value.
- Vintage Infrastructure
Built in 1953, the property may require additional capital investment for aging systems such as plumbing, electrical, or roofing that are typical of mid-century builds.
About 3620 Cowley Way
"HOT" new price adjustment and a fresh look! A sought-after SOUTH/WEST LOCATION in Bay Park with a wonderful 4-bedroom delight with two baths: 1-bedroom off the primary bedroom could be an office/nursery or just a bedroom. Plus, a 12x20' Sunroom (not in sq.ft.) if added to square footage, could possibly be 1,564 sq.ft. approximately. Be fabulous with this flexible one-story floorplan. Walk-in closet in primary and 2nd bedrooms. The backyard is stone-terraced with flowers and lovely greenery. For your future, this street of homes is reviving in every way. Come and see and bring your gardening ideas to fruition. The HUB of San Diego with EZ access to shopping, Mission Bay, sandy Beaches, 5 Freeway, downtown SD & airport and beyond!
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 1953
- Lot Size
- 6,098.4 Sq. Ft.
Interior
- Total Bedrooms
- 4
- Total Bathrooms
- 2 (2 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $0 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 4.0 | 3.3 |
| Baths | 2.0 | 2.3 |
| Square foot | 1,324 | 1,777.941 |
| Lot Size | 6,098.4 | 6,474.445 |
| Price | $1.08M | $1.27M |
| Price per sq ft | $819 | $741 |
| Built year | 1953 | 1971 |
| HOA | $0 | $184 |
| Days on market | 75 | 40 |
Pricing History
Listed for Sale
Aug 30, 2026
$1,085,000
$1,145,000
-5% Price Drop
Initial Listing
Price Change
Jun 26, 2026
$1,145,000
Initial Listing