Full-service listing at a 1% fee. At the 2026 median of $1,050,000, that's $15,750 back in your pocket compared to a traditional 2.5% commission - with professional photography, MLS listing, expert negotiation, and transaction coordination included. At the average sale price of $1,403,469, the savings reach $21,052.
Source: SDMLS · ZIP 92117 · Jan - Aug 2026
Based on 203 closed sales in SDMLS, January 1 - August 10, 2026. All residential property types, ZIP 92117. Includes condos, townhomes, and detached single-family homes across Clairemont, Bay Ho, the Mount Streets, and all sub-neighborhoods of 92117. Data provided by Nikolas Mazzola, CA DRE #01724621, Shorebreak Real Estate.
2026 Sold Data · SDMLS
ZIP 92117 delivered 203 closed sales in 2026 ranging from $287,000 entry-level condos to $2,760,000 custom bay-adjacent estates. The median home is a 3BR/2BA, 1,426 SF detached SFR selling in 14 days at $792 per square foot with a list-to-sale ratio near 99%. The table below breaks those 203 sales into their natural tiers.
| Property Type | 2026 Sold Range | Typical Size | Example Streets / Complexes |
|---|---|---|---|
| Studio / 1BR Condo | $287,000 - $425,000 | 414 - 625 SF | 4060 / 4064 Huerfano Ave (studio through 1BR units), 6666 Beadnell Way (1BR), 5252 / 5402 / 5404 Balboa Arms Drive (studio and 1BR) - the most affordable ownership entry point in San Diego proper, concentrated in the large condo complexes along Huerfano and Balboa Arms |
| 2BR Condo | $470,000 - $760,000 | 768 - 1,364 SF | 5252 / 5402 Balboa Arms Dr (2BR/2BA), 2909 / 2915 / 2930 / 2959 / 3097 Cowley Way, 2514 / 2530 / 2540 Clairemont Dr, 4064 Huerfano Ave, 5170 Clairemont Mesa Blvd, 2714 Ariane Dr - the dominant condo volume tier in 92117 |
| Townhome / 2-3BR Attached | $625,000 - $1,000,000 | 1,016 - 1,659 SF | Balboa Terrace (3737, 3756, 3793 Balboa Terrace), 4515 / 4595 Chateau Drive townhomes, 2746 Ariane, 5055 Coral Sand Terrace, 4454 Caminito Pedernal, 4511 Misty Place, 3925 Clairemont Mesa Blvd, 5217 Cole - 2-3BR attached product bridging condos and detached SFR |
| Entry 2-3BR Detached SFR | $800,000 - $1,050,000 | 900 - 1,250 SF | Canosa Ave (5041), Bowden Ave (5178), Arlene St (5124), Cheshire St (4635), Galt Way (5110), Hiawatha Way (3861 / 3910), Wyandotte Ave (2868), Miami Way (4560), Tomahawk Ln (3636), Derrick Court (5137), Bannock Ave (4535) - original post-war Clairemont stock on standard 5,500-8,800 SF lots, 1 bath and 1,000 SF entries dominate this tier |
| Standard 3-4BR SFR | $950,000 - $1,350,000 | 1,000 - 1,750 SF | Diane Ave, Cole St, Gaylord Dr, Appleton St, Limerick Ave, Norwich St, Moraga Ave, Chateau Dr (SFR), Mount Gaywas Dr, Mount Henry Ave, Mount La Platta Dr, Mount Harris Dr, Mount Etna Dr, Gila Ave, La Crosse, Palmyra, Millwood Rd, Renex Pl, Caywood St, Bertha Ct, Northridge Ave, Conrad Ave, Mable Way - the dominant Clairemont market tier by transaction volume |
| Upgraded / Larger SFR (4BR+) | $1,350,000 - $1,900,000 | 1,700 - 2,500 SF | Arroyo Lindo Ave (4976), Providence Rd (4972), Havasupai Ave (2718), Leathers St (4694 / 4571), Bay Canyon Ct (2702), Seri St (4182), Edison St (4737), Peyton Place, Park Rim Dr (5134), Oak Glen (3555), Chandler Dr (5656), Dow (3081), Hannon Ct (6245), New Haven (5135), Gesner, Moraga Ave (large lots) - expanded, remodeled, or builder-improved homes on standard to large lots |
| Premium / Bay Ho Custom SFR | $1,900,000 - $2,760,000 | 1,800 - 3,100 SF | Erie St (2910, 3131, 3141), Lloyd St (2841, 2935, 3011), Serbian Pl (3012, 3036), Conner / Conner Way / Conner Ct (4307, 3063, 4366), Conrad (3702), Ticonderoga (3602), Baker St (3771), Fallbrook Ln (2875), Princeton Ave (3692), Geronimo (3115, 3240), Atari Ct (3294), Huron Ave (4627), Fryden Ct (3151), Mount Laurence Dr (3539) - Clairemont's premium sub-market, anchored by the bay-adjacent Bay Ho corridor and larger-lot estates throughout the northwestern quadrant of 92117 |
Ranges based on 203 closed sales in ZIP 92117, January 1 - August 10, 2026. Median DOM of 14 days across all tiers confirms a supply-constrained market where accurately priced homes move quickly at virtually every price point from $287K condos to $2.76M estates. Lot size, condition, proximity to Mission Bay and canyon views are the primary premium-drivers within sub-tiers.
Agent's Market Analysis · August 2026
One number from the 2026 Clairemont data stands out before anything else: the median list price and the median sale price in ZIP 92117 are both $1,135,000. Identical. In a market where most ZIPs show at least some gap between what sellers ask and what buyers pay, Clairemont's flat median-to-median ratio is a signal about both market efficiency and seller expectations. The homes that are priced correctly here are selling at asking. The ones that aren't are the 14% still sitting active after 37 days on average.
"Clairemont is the ZIP I point to when someone asks what a functional, liquid San Diego residential market looks like. 203 homes sold in less than eight months. The median DOM is 14 days. The list-to-sale ratio is 99%. These numbers don't happen by accident - they happen because Clairemont has the right combination of central location, freeway access, beach proximity, and price point. At $1.135M median, it is one of the most competitively priced beach-adjacent ZIPs in the entire county."
The standard 3-4BR SFR tier ($950K-$1.35M) is the engine of this market - Clairemont's 1950s and 1960s grid of 1,000-1,750 SF homes on 5,500-8,000 SF lots, with streets like Diane, Cole, Gaylord, Appleton, Limerick, Norwich, Moraga, and the Mount Streets producing consistent volume month after month. These homes sell in one to three weeks when priced within 3% of market. Many sell at or above asking price. The entry point for that segment has moved from the mid-$800s to the mid-$900s since 2023, and buyers who were expecting sub-$1M detached SFR in 92117 have had to adjust their expectations.
The Bay Ho / northwestern quadrant (Erie, Lloyd, Serbian, Conner, Conrad, Ticonderoga, Baker, Fallbrook, Princeton, Geronimo) is where Clairemont's premium transactions concentrate. Eleven homes in 92117 sold above $1.9M in 2026, and nearly all of them are on these streets - custom or significantly expanded homes, often 2,000-3,100 SF on larger lots, with canyon or bay views. The top sale, 4366 Conner at $2,760,000 (4BR/4BA, 3,100 SF on a 10,600 SF lot), is a reminder that Clairemont's ceiling has risen considerably above where most buyers expect it. The $2.76M sale at $890/SF is competitive with Point Loma values from 2022.
The condo and townhome inventory (Balboa Arms, Huerfano, Beadnell, Cowley, Ariane, Clairemont Dr) continues to absorb demand from buyers who need a coastal San Diego foothold below $600K. These complexes have traded consistently all year - 22 condo and townhome sales through August, with most closing within 20 days. For first-time buyers or investors, they remain the most accessible entry into San Diego real estate from a price-per-month standpoint.
Nikolas Mazzola · CA DRE #01724621 · Broker, Shorebreak Real Estate · Analysis based on SDMLS data, ZIP 92117, Jan 1 - Aug 10, 2026.
Based on 2026 92103 Sold Prices
ZIP 92103's range - from $390K Hillcrest condos to $5M Mission Hills estates - means the listing commission decision plays out differently at every tier. At the median of $1,050,000 the savings are $15,750. At the average of $1,403,469 they reach $21,052. And at the luxury tier where six homes sold above $3.5M in 2026, the difference between 1% and 2.5% can exceed $75,000 on a single transaction.
| Your Sale Price | 2.5% Listing Fee | 1% Commission | You Save |
|---|---|---|---|
| $700,000 | $17,500 | $7,000 | $10,500 |
| $900,000 | $22,500 | $9,000 | $13,500 |
| $1,050,000 (2026 Median) | $26,250 | $10,500 | $15,750 |
| $1,400,000 | $35,000 | $14,000 | $21,000 |
| $1,800,000 | $45,000 | $18,000 | $27,000 |
| $2,500,000 | $62,500 | $25,000 | $37,500 |
| $4,000,000 | $100,000 | $40,000 | $60,000 |
Full-service listing includes professional photography, MLS listing, syndication, negotiation, and transaction coordination. No hidden fees. In a market where historic character, architectural integrity, and neighborhood context drive pricing, the right listing strategy matters far more than a higher commission rate. The 13-day median DOM in 92103 confirms that well-prepared, correctly priced homes find buyers quickly - and keeping $21,000 to $80,000 more of the proceeds is a direct result of choosing the right listing fee structure.
ZIP 92117 covers most of Clairemont Mesa and the western Bay Ho / Bay Park-adjacent corridor - roughly 7 square miles of residential San Diego bounded by Mission Bay to the west, Tecolote Canyon to the south, SR-52 to the north, and I-805 to the east. It is one of San Diego's largest and most internally diverse ZIP codes, with condo prices starting at $287,000 and custom bay-view estates selling above $2.7M in the same year. The neighborhoods within 92117 are meaningfully distinct in price, character, and buyer profile.
The largest portion of 92117 is the post-war residential grid developed primarily in the 1950s and 1960s - streets like Diane Ave, Cole St, Gaylord Dr, Appleton St, Limerick Ave, Norwich St, Moraga Ave, Gila Ave, Chateau Dr, and dozens of cross-streets in a consistent rectangular pattern. The original stock is 3BR/1BA, 1,000-1,300 SF on 5,500-7,500 SF lots. Buyers in 2026 are paying $950K-$1.35M for updated examples in this tier, and the demand is steady. The neighborhood's strength is its location - flat, grid-pattern streets, walkable to neighborhood amenities, and within 15 minutes of virtually everything in San Diego.
Clairemont Community ProfileThe western and northwestern portions of 92117 are organized around a cluster of "Mount" streets - Mount Gaywas Dr, Mount Henry Ave, Mount Etna Dr, Mount La Platta Dr, Mount Harris Dr, Mount Frissell Dr, Mount Laudo Dr, Mount Lindsey Ave, Mount Foster Ave, Mount Saint Helens Way, Mount Cervin Dr, Mount Royal Place, Mount Hukee. These streets sit on elevated terrain with canyon and partial bay views, and they command a consistent premium above the flat grid. Standard SFR on the Mount Streets sells in the $1.1M-$1.45M range in 2026; larger or updated homes push to $1.7M+. Buyers who understand the topography of 92117 target these streets specifically for the combination of views and the established Clairemont neighborhood context.
Search Mount Street HomesThe streets running through the northwestern quadrant of 92117 toward Mission Bay and Morena Boulevard - Erie St, Lloyd St, Serbian Pl, Conner/Conner Way, Conrad, Ticonderoga St, Baker St, Fallbrook Ln, Princeton Ave, Geronimo Ave, Atari Ct, Huron Ave - form Clairemont's premium sub-market. These are larger lots, larger homes (often 2,000-3,100 SF), and in many cases direct bay or canyon views. In 2026, 11 properties in 92117 sold above $1.9M, and the majority were concentrated in this corridor. The $2,760,000 top sale in the ZIP (4366 Conner - 4BR/4BA, 3,100 SF) was in this area. For buyers seeking Clairemont's best addresses, this is where the search starts.
Request Bay Ho CompsA significant portion of 92117's housing stock is concentrated in large multi-family complexes along Balboa Arms Drive, Huerfano Avenue, Beadnell Way, Cowley Way, Ariane Drive, and Clairemont Drive. The largest complexes - 5252 Balboa Arms, 5402-5404 Balboa Arms, 4060 Huerfano, 4064 Huerfano, 4099 Huerfano, 6602 and 6666 Beadnell Way, 2909-3097 Cowley Way, 2714-2746 Ariane - contain hundreds of units and trade regularly. Studio units start at $287K; 2BR/2BA units top out around $760K. This tier serves first-time buyers, SDSU-area commuters, and investors seeking positive-cash-flow rental property in a well-located San Diego ZIP code.
Search Clairemont CondosThe southern edge of 92117 - Chateau Drive, Chateau Place, Moraga Ave (south end), and the streets approaching Tecolote Canyon Natural Park - contains a mix of SFR and townhome product that often serves as the bridge between condo and detached pricing. The Balboa Terrace townhome cluster (3705-3793 Balboa Terrace) and the Chateau Drive SFR corridor have produced consistent sales in the $850K-$1.3M range in 2026. Tecolote Canyon access is a meaningful amenity for outdoor-oriented buyers, with over 900 acres of preserved open space and 8 miles of trails immediately adjacent.
Tecolote Canyon Natural ParkIf you drew a circle around the geographic center of San Diego's coastal residential market, the pin would land close to 92117. Clairemont sits at the intersection of every major freeway corridor - I-5, I-8, I-805, SR-52, and SR-163 - within 15 minutes of downtown, La Jolla, Mission Valley, and three different beaches. For buyers who want coastal San Diego access without paying Ocean Beach or Pacific Beach prices, Clairemont is the answer the market keeps returning to.
Mission Bay Park is San Diego's 4,235-acre aquatic park - the largest man-made aquatic park in the United States - and it is effectively the backyard of western Clairemont. Bay Ho residents can reach the water in under 5 minutes. Mission Bay offers kayaking, paddleboarding, sailing, swimming at protected beaches, cycling on a 27-mile perimeter path, and year-round waterfront access that rivals destinations you'd pay millions more to live adjacent to elsewhere in Southern California. Sail Bay, Fiesta Island, and the Crown Point Shores area are all within a short drive from most 92117 addresses.
Mission Bay Park - City of SDTecolote Canyon Natural Park runs along the southern boundary of 92117 - over 900 acres of preserved coastal sage scrub and oak woodland with 8+ miles of trails. The canyon is one of San Diego's largest and most intact urban natural areas, offering hiking, mountain biking, and wildlife observation (great horned owls, red-tailed hawks, coyotes, and native plant communities) minutes from suburban streets. The canyon's headwaters trail connects to Balboa Park via a longer route for dedicated hikers. For Clairemont residents, it functions as a private natural reserve without the drive.
Tecolote Canyon - City of SDPacific Beach (92109) and Ocean Beach (92107) are both within a 10-12 minute drive from central Clairemont under normal conditions. This proximity is one of the most significant quality-of-life advantages in 92117 - Clairemont buyers get a beach-accessible lifestyle at a price point that is $200K-$500K below the beachside ZIPs themselves. Crown Point, Fanuel Street Park, and Ocean Beach's Sunset Cliffs are all accessible in under 15 minutes, meaning Clairemont functions as San Diego's most cost-efficient beach-adjacent address for families and remote-work buyers who want ocean proximity without paying a premium for a partial ocean view from a second-floor window.
Pacific Beach Info - City of SDMorena Boulevard along the western edge of 92117 has become one of San Diego's most genuinely interesting neighborhood commercial corridors - a mix of craft breweries, wine bars, specialty food producers, coffee roasters, and independent restaurants that serve the Bay Park and Clairemont markets. Eppig Brewing, Harland Brewing, Pizza Port, and a constellation of local businesses have built the Morena District into a destination rather than just a pass-through road. The corridor is walkable or bikeable from the Bay Ho / western Clairemont addresses that command the ZIP's premium pricing, making those streets desirable for both their location and their neighborhood context.
Morena Bay Park Merchants92117's freeway access is exceptional by any measure: I-5 at Clairemont Drive or Balboa Avenue (west side), I-805 at Balboa Avenue or Clairemont Drive (east side), SR-52 along the northern boundary, I-8 via I-5 or Mission Bay Drive (south), SR-163 via Morena Boulevard or I-805. Every major employment corridor in San Diego is accessible within 20-30 minutes under normal conditions - downtown (15 min), UTC/La Jolla tech corridor (15-20 min), Mission Valley (15 min), Kearny Mesa industrial/office (10-15 min), Sorrento Valley/Torrey Pines biotech (20 min), and Point Loma Navy/government (20 min). Clairemont is the ZIP code that works for virtually every commute pattern in San Diego.
511 SD Traffic and TransitClairemont has a well-developed network of neighborhood parks and recreation facilities, including the Clairemont Recreation Center (4153 Valeta St), Mount Etna Park, Standley Recreation Center (3585 Governor Dr - serving the eastern edge), Holmes Recreation Center, and the Bay Park / Bay Ho neighborhood parks along the Morena corridor. The Balboa Avenue commercial corridor provides neighborhood retail, grocery, and services for the central Clairemont grid, while the Linda Vista Rd and Clairemont Mesa Blvd corridors serve the northern and eastern portions. San Diego's library system has a Clairemont branch (2920 Burgener Blvd) with community programming.
Clairemont Recreation CenterClairemont is served by San Diego Unified School District. The elementary, middle, and high school pipeline in 92117 is one of the most consistent in the mid-tier San Diego residential market - not the prestige of a La Jolla or Del Mar, but functional, well-resourced schools with strong parent communities and steady college placement. Assignment is by address zone; verify enrollment boundaries with SDUSD before purchasing.
Whitman Elementary School (4675 Mt. Gaywas Dr) is one of the primary elementary schools serving the Mount Streets and central Clairemont residential grid. Whitman is a traditional neighborhood school with a strong parent-teacher organization and consistent academic metrics above the SDUSD average. The school's location in the heart of the Mount Streets sub-market makes it a natural choice for families buying in the $1.1M-$1.5M tier on adjacent streets.
Whitman Elementary - SDUSDCadman Elementary School (4370 Mt. Abernathy Ave) serves the northern and western portions of Clairemont, including portions of the Mount Streets and Bay Ho-adjacent neighborhoods. Cadman has a strong STEM focus and participates in SDUSD's magnet and enrichment programs. The school's community reflects Clairemont's demographic diversity - a mix of long-term residents and newer professional families who have moved into the ZIP in recent years as prices in adjacent ZIPs have pushed buyers inland.
Cadman Elementary - SDUSDBay Ho Elementary School serves the western portion of 92117 - the Bay Ho / bay-adjacent corridor that produces the ZIP's premium residential transactions. Bay Ho Elementary has a relatively small enrollment compared to other SDUSD neighborhood schools, which creates a more intimate school environment. Families who purchase in the $1.9M-$2.7M Bay Ho tier are often drawn by this combination of neighborhood school character and the premium residential environment - they're not commuting to a school across the ZIP.
Bay Ho Elementary - SDUSDClairemont Middle School (4480 Shawline St) is the primary feeder middle school for most of 92117. CMS offers a standard SDUSD 6th-8th grade curriculum with AVID college-prep pathways, elective programs including arts and technology, and interscholastic sports. The school's large campus and diverse student body reflect the full range of Clairemont's residential population - from the condo corridor to the Bay Ho premium tier. Parent engagement has increased notably in recent years alongside the broader neighborhood investment cycle in 92117.
Clairemont Middle - SDUSDClairemont High School (4150 Ute Dr) has undergone a meaningful revitalization in recent years, with expanded AP and college-prep course offerings, a strong athletics program (particularly swimming, given Mission Bay's proximity), and consistent improvement in academic performance metrics. CHS graduates regularly attend UC and CSU campuses, and the school's leadership has invested in career-technical education pathways that reflect Clairemont's proximity to San Diego's healthcare, technology, and logistics employment corridors. For families buying in the $950K-$1.5M standard SFR tier, Clairemont High is the realistic public high school option - and it has improved substantially since its earlier reputation.
Clairemont High School - SDUSDHolmes Elementary School serves a portion of the central and southern Clairemont grid. Holmes has a reputation as a strong community school with well-attended parent nights and active volunteer involvement. The school participates in SDUSD's dual-language and enrichment programs and has benefited from the broader neighborhood investment that has accompanied Clairemont's residential price appreciation. Families considering homes in the Moraga Ave, Gila Ave, and southern Cole St corridors typically fall in the Holmes or Cadman attendance zones.
Holmes Elementary - SDUSD
Copyright 2026. Shorebreak Real Estate DBA San Diego 1 Percent Listing. All Rights Reserved.
━━━━━━━━

With California’s ongoing housing shortage and soaring prices, Proposition 19 brought major changes to how property taxes are handled — particularly for seniors, wildfire victims, and families passing property between generations.
C.A.R. (California Association of Realtors) sponsored Prop 19 as part of a broader strategy to unlock more housing inventory, especially by allowing older homeowners to move more freely without being penalized by increased property taxes.
But one of the biggest shifts? The rules for intergenerational transfers — meaning what happens when you pass your home to your children or grandchildren.
Let’s break it down.

Proposition 19 has two major components:
Tax Portability
Homeowners who are 55+, severely disabled, or wildfire/natural disaster victims can now transfer their current property tax base to a new home anywhere in California, up to 3 times in their lifetime.
Limits on Inherited Property Tax Savings
Families used to be able to inherit not just the home, but also the low property tax base — even on vacation homes or investment properties.
Now, only primary residences passed to children or grandchildren will retain the property tax base — and only if the new owner uses the property as their primary residence.
The truth is, intergenerational transfer tax rules were already under attack from lawmakers and media who viewed them as tax shelters for the wealthy.
Without Prop 19, there was a risk that all property tax benefits for family transfers would be eliminated completely.
Instead, Prop 19 preserved the ability for families to keep property tax savings on the family home, while ending those benefits for second homes or rentals.
It also cemented those rights in the state constitution, protecting them from future rollbacks.
Here’s how the new rules work as of February 16, 2021:
✅ If you transfer your principal residence to your child or grandchild, and
✅ They live in the home as their primary residence, and
✅ They file for the homeowner’s exemption within one year —
👉 They can keep your low property tax base.
However, there are limits:
If the market value at time of transfer is less than $1 million over the original tax basis, the child keeps the exact same tax base.
If it’s more than $1 million over, the new tax base is adjusted upward:
➤ New Taxable Value = Market Value – $1 Million
📌 Example:
Original tax basis = $500,000
Market value at time of transfer = $1.2M → New tax basis = $500,000 (no change)
Market value at time of transfer = $2M → New tax basis = $1M
Yes, family farms are included.
Under Prop 19, family farms retain their tax basis — even if the child or grandchild doesn’t live on the property, as long as it’s still being used for agriculture, grazing, or cultivation.
Prior to Prop 19, you could also pass on up to $1 million of additional real estate (not your primary home) to children without triggering reassessment.
🚫 That exemption is now gone.
Only the family home is eligible for tax savings under Prop 19 — and only if it becomes the new owner’s primary residence.
For most homeowners, no.
In fact, it may help many Californians save — especially seniors or disaster victims looking to downsize or relocate.
But for families passing on high-value homes or second properties, there may be higher property taxes unless the new owners live in the home.
If you're planning to pass your home to your children or grandchildren, here’s what you should consider:
✅ Make sure they plan to live in the home as a primary residence
✅ File the homeowner’s exemption within 1 year of the transfer
✅ Talk to a tax advisor or estate attorney to understand how Prop 19 may impact your estate plan
Want a clear picture of your property’s value and options under Prop 19?
At San Diego 1 Percent Listing, we help families navigate homeownership decisions with strategy and transparency.
📞 Call Nik Mazzola at (619)851-7680
🌐 SanDiego1PercentListing.com