Sell Your Point Loma Home for 1%. Not 2.5%.
Full-service listing at a 1% fee. At the 2026 median of $1,750,000, that's $26,250 back in your pocket compared to a traditional 2.5% commission - with professional photography, MLS listing, expert negotiation, and transaction coordination included.
Source: SDMLS · ZIP 92106 · Jan - Aug 2026
Point Loma 92106 - 2026 Market Snapshot
Based on 98 closed sales in SDMLS, January 1 - August 10, 2026. All residential property types, ZIP 92106. Includes condos, townhomes, and detached single-family homes. Over 80% of sales are detached SFR. Data provided by Nikolas Mazzola, CA DRE #01724621, Shorebreak Real Estate.
2026 Sold Data · SDMLS
What Homes in Point Loma Actually Sell For
ZIP 92106 is one of San Diego's most consistently premium ZIP codes - a peninsula market where over 80% of sales are detached single-family homes. Price per square foot averages $1,003 and the median sale is a 3BR/3BA, 1,930 SF home on a 5,800 SF lot closing in 10 days. Here is how 98 closed sales in 2026 break down by property type.
| Property Type | 2026 Sold Range | Typical Size | Example Streets / Complexes |
|---|---|---|---|
| Studio / 1BR Condo | $362,500 - $795,000 | 288 - 813 SF | 1021 Scott St (La Playa marina complex) - the only entry-level condo in 92106; studios from $362K, 1BR at $795K |
| 2BR Condo / Small Attached | $800,000 - $1,150,000 | 1,020 - 1,300 SF | 3119 Garrison St, 3119 Hugo, 3130 Avenida de Portugal, 3111 Ingelow Dr, 370 Rosecrans, 2915 Lawrence St - boutique 2BR condo buildings |
| 2-3BR Condo / Townhome | $1,045,000 - $2,165,000 | 1,097 - 2,214 SF | 2760/2838/2842 Farragut Rd, 3025 Byron St, 2960/2928 Lawrence St, 333/404 San Antonio, 2820 Carleton, 3148 Emerson, 1122 Locust - Liberty Station area and mid-peninsula |
| Entry / Small Detached SFR | $980,000 - $1,400,000 | 767 - 1,386 SF | Locust St (1617), Quimby St (3540), Wawona Dr (3614), Poe St (3542), Newell St (3122), Russell St (3022), Hugo (3219) - smaller older stock on modest lots |
| Standard Detached SFR (3BR) | $1,400,000 - $2,100,000 | 1,400 - 2,300 SF | Browning, Talbot, Wisteria, Whittier, Narcissus, Chatsworth (lower), Jennings, Plumosa, Charles, Sterne, Laning, Curtis, Lotus, Freeman, Ibsen, Udall - the core Point Loma residential market |
| Premium SFR (4-5BR) | $2,100,000 - $3,000,000 | 2,100 - 3,700 SF | Rosecrans St (upper), Gage Dr (lower), Canon Ave, Evergreen St (lower), Rogers St, Kellogg, Oliphant, Dickens, Willow, Palermo, Poinsettia, Fleetridge Dr, Akron, W Porter Rd |
| Luxury Estate | $3,000,000 - $5,800,000 | 2,272 - 5,859 SF | Scott St (924 waterfront - $4.2M), Gage Dr (617 - $5.8M), Fenelon, Elliott, Wilcox, Southernwood Way, Ingelow (upper), Clove, Evergreen (upper), Rosecrans (595 - $3.3M), Noren Pl, Rogers St (3011 - $3.7M) |
Ranges based on 98 closed sales in ZIP 92106, January 1 - August 10, 2026. Point Loma pricing is heavily influenced by bay views, ocean views, lot size, proximity to La Playa and the water, and home vintage. Fully updated homes command a significant premium over original-condition stock in the same price band. The 10-day median DOM reflects genuine scarcity - correctly priced Point Loma homes regularly receive multiple offers.
Agent's Market Analysis · August 2026
Point Loma in 2026: Ten Days, $35,000 in Savings, and a Peninsula That Doesn't Discount
Point Loma 92106 is a supply-constrained peninsula market that operates by different rules than most of San Diego. Only 98 homes sold through August against 43 active listings and 15 pending - roughly a two-month supply. The median home is a 3BR/3BA on a 5,800 SF lot, selling in 10 days at 99.3% of asking. The average price per square foot across all 98 sales is $1,003 - the only ZIP in this market series where the average breaks four figures. Point Loma is not one of San Diego's most expensive ZIPs by accident. It is by design: a peninsula with finite land, bay and ocean access, and one of the city's most enduring residential identities.
"The median seller in Point Loma in 2026 listed at $1,762,500 and closed at $1,750,000 - a $12,500 discount from asking on a $1.75M transaction. At 1% listing commission instead of 3%, that same seller saves $35,000. The commission savings are nearly three times the typical price concession. This is where pricing your fee correctly matters most."
The highest-velocity segment has been 3BR detached SFR priced between $1.5M and $2.0M - homes on Browning, Talbot, Wisteria, Whittier, Narcissus, Chatsworth, Jennings, and the parallel residential streets that make up the core of Point Loma's residential grid. These homes close in 3 to 15 days when priced correctly. Many received multiple offers. The pattern is consistent: a well-presented 3BR in the 1,400-1,900 SF range on a 5,000-7,000 SF lot priced at $1.55M-$1.85M hits the market on Thursday and has offers by Sunday.
The premium tier at $2.1M to $3.5M - homes on Lotus, Canon, Evergreen, Fleetridge, Rogers, and the upper Rosecrans corridor - has been active but more selective. DOM variance is wider (0 to 50 days), and condition and presentation matter significantly more. At the luxury end above $3.5M - Scott Street waterfront ($4.2M), Ingelow and Fenelon estates ($3.8M-$5.15M), and the Gage Drive compound ($5.8M) - the market is thin but the transactions happened in 2026. Genuine trophy Point Loma properties find buyers; overpriced ones sit. The distinction is sharper at this tier than anywhere else in the ZIP.
Nikolas Mazzola · CA DRE #01724621 · Broker, Shorebreak Real Estate · Analysis based on SDMLS data, ZIP 92106, Jan 1 - Aug 10, 2026.
Based on 2026 Point Loma Sold Prices
How Much You Keep at 1% vs. 2.5%
Point Loma has the highest median sale price in this market series. At these prices, the 1.5% difference between a 1% and 2.5% listing commission is not a rounding error - it is a meaningful part of your net proceeds.
| Your Sale Price | 2.5% Listing Fee | 1% Commission | You Save |
|---|---|---|---|
| $1,100,000 | $27,500 | $11,000 | $16,500 |
| $1,450,000 | $36,250 | $14,500 | $21,750 |
| $1,750,000 (2026 Median) | $43,750 | $17,500 | $26,250 |
| $2,200,000 | $55,000 | $22,000 | $33,000 |
| $2,800,000 | $70,000 | $28,000 | $42,000 |
| $3,500,000 | $87,500 | $35,000 | $52,500 |
| $5,000,000 | $125,000 | $50,000 | $75,000 |
Full-service listing includes professional photography, MLS, syndication, negotiation, and transaction coordination. No hidden fees. Same service. A fraction of the cost. In a market where sellers are already receiving 99.3% of asking price, protecting your net with a 1% fee is one of the clearest financial decisions in the transaction.
The Point Loma Peninsula
Point Loma 92106 occupies a narrow peninsula between San Diego Bay to the east and the Pacific Ocean to the west. The geography is the defining feature: finite land, water on both sides, and a southern tip that terminates at one of California's most significant national monuments. This physical scarcity - combined with some of the city's most established residential streets - is what produces $1,750,000 median pricing and 10-day DOM.
Core Residential Point Loma
The neighborhood's residential heart runs from Rosecrans Street west through streets like Browning, Talbot, Wisteria, Whittier, Narcissus, Chatsworth, Jennings, Plumosa, Lotus, and Canon - a grid of established blocks with mature landscaping, mostly 3-4BR homes on 5,000-10,000 SF lots, and a neighborhood culture built around longtime residents, walkability to Rosecrans commercial services, and easy access to the Cabrillo National Monument hiking trails at the peninsula's tip.
Point Loma Community - City of SDLa Playa
La Playa is the historic waterfront neighborhood at the northeastern tip of Point Loma, fronting San Diego Bay. Streets like Scott, Silvergate, Rosecrans (lower), Moana, and Gage Drive sit at the bay's edge and command the ZIP's highest per-SF values. The 1021 Scott Street marina condo complex anchors La Playa's entry-level ownership tier; the streets west and south of it contain the neighborhood's estate-caliber properties at $3M to $5.8M. Shelter Island is immediately accessible via Shelter Island Drive, a 3-minute drive from most La Playa addresses.
La Playa Dining - YelpFleetridge
Fleetridge is the elevated hillside sub-neighborhood in Point Loma's upper reaches - streets including Fleetridge Drive, Chatsworth Boulevard (upper), Evergreen Street, Clove, and Willow. Homes here tend to be larger (2,500-4,000+ SF), on wider lots, and some command bay and ocean views from their elevated position. Fleetridge is the ZIP's premium family tier - 4-5BR homes priced from $2.5M to $4M, with strong demand from buyers looking for square footage and views within the Point Loma school system.
Point Loma High School - SDUSDLiberty Station Area
The Liberty Station area at the northeastern edge of 92106 - near Farragut Road, Evans Road, Laning Road, and W Porter Road - borders the former Naval Training Center (NTC) campus, now redeveloped as Liberty Station. This pocket has a higher concentration of condos and attached housing than the rest of 92106, with the Farragut Road condo corridor (2760/2838/2842/2873 Farragut) providing the ZIP's entry-level attached ownership at $1.0M-$1.7M. These communities attract buyers who want Point Loma's zip code and Liberty Station walkability at lower price points than the peninsula's core.
Liberty StationLandmarks, Lifestyle, and What Makes Point Loma Irreplaceable
Point Loma's lifestyle is anchored by landmarks that exist nowhere else in San Diego - a national monument at the peninsula's tip, a reimagined Naval campus that is now one of the city's premier dining and culture destinations, and bay and harbor access that most San Diego neighborhoods can only approximate.
Cabrillo National Monument
Cabrillo National Monument occupies the southern 160 acres of the Point Loma peninsula - the site of Juan Rodriguez Cabrillo's 1542 landing, the westernmost point of the continental United States, and one of the most visited national monuments in the country. The monument includes the Old Point Loma Lighthouse, whale watching overlooks, 2.5 miles of coastal trails with unobstructed Pacific views, and tide pools at the base of the cliffs. For Point Loma residents, the monument is a backyard hiking trail - admission fees apply but are minimal and include annual pass options.
Cabrillo National Monument - NPSLiberty Station
Liberty Station (2640 Historic Decatur Rd) - the 361-acre redevelopment of the former Naval Training Center - has become one of San Diego's most important lifestyle destinations. The campus includes Waterfront Park (a 28-acre public lawn and playground at the bay's edge), the NTC Promenade with 30+ restaurants and bars, the YMCA, the NTC Arts District, and the historic Spanish Colonial Revival buildings of the original training center. For 92106 residents, Liberty Station functions as a neighborhood amenity rather than a destination - it is walkable from much of the ZIP.
Liberty StationShelter Island
Shelter Island sits at the northern tip of the Point Loma peninsula, connected by Shelter Island Drive. The island is San Diego's primary marina and boating hub - with over 1,600 boat slips across multiple marinas, a waterfront promenade, restaurants, and unobstructed views across San Diego Bay to downtown and Coronado. For Point Loma residents, Shelter Island is a 5-minute drive or 20-minute bike ride. The San Diego Rowing Club, two major marinas, and several destination waterfront restaurants make it a genuine recreational amenity.
Shelter Island - Port of San DiegoRosecrans Street Commercial Corridor
Rosecrans Street is Point Loma's primary commercial spine, running through the center of 92106 with grocery stores (Vons, Trader Joe's in nearby Liberty Station), restaurants, coffee shops, hardware, medical offices, and everyday services. For a neighborhood as residential as Point Loma, Rosecrans provides genuine walkable daily-errand access from the streets west of it. The stretch from Canon to Midway Drive is particularly dense with dining options - a mix of local institutions and newer concepts that reflects Point Loma's quiet gentrification over the past decade.
Rosecrans Dining - YelpSchools Serving 92106
ZIP 92106 is served by San Diego Unified School District (SDUSD). Point Loma's schools - particularly Point Loma High - are a meaningful driver of family demand in the $1.5M-$2.5M SFR tier. School assignment depends on exact address; verify directly with SDUSD before purchasing with school enrollment as a factor.
Cabrillo Elementary
Cabrillo Elementary School (3120 Talbot St) serves as the primary public elementary school for much of 92106's residential grid. The school has a strong track record of community engagement and parental involvement - typical of Point Loma's established neighborhood culture. The campus is walkable from the streets between Rosecrans and the bay, and the school's attendance boundary covers most of the core Point Loma residential area.
Cabrillo Elementary - SDUSDDana Middle School
Dana Middle School (1775 Chatsworth Blvd) serves as the primary middle school for Point Loma and the adjacent 92107 attendance area. Dana has a strong arts and STEM focus and sits approximately 1.5 miles from central 92106 - commutable by bike or school bus. The school's performance is above the district average and its proximity to both the 92106 and 92107 residential cores makes it one of the more consistently attended SDUSD middle schools in the western part of the city.
Dana Middle School - SDUSDPoint Loma High School
Point Loma High School (2335 Chatsworth Blvd) is the neighborhood's signature public school and one of the strongest reasons families pay the Point Loma premium. The school has a national reputation for its debate program (multiple national championships), strong academics, athletics, and performing arts. PLHS consistently produces high college acceptance rates and a cohesive student culture that reflects the neighborhood's tight-knit identity. For buyers with high-school-aged children, the PLHS attendance zone is a primary factor in the purchase decision.
Point Loma High School - SDUSDPoint Loma Nazarene University
Point Loma Nazarene University (PLNU) occupies 90 acres at the southern tip of the Point Loma peninsula, immediately north of Cabrillo National Monument. The university's presence is a significant quality-of-life factor for the neighborhood - it maintains the southern portion of the peninsula as a green buffer, operates its own security, and contributes to the area's quiet, safe character. PLNU's campus includes a public-adjacent walking trail to the Cabrillo cliffs and is a major employer within 92106.
Point Loma Nazarene UniversityWant to work with us?
Real estate commissions are not set by law. There are no standard or fixed rates. The total commission is entirely up to the seller’s discretion and is negotiable between the seller and their listing agent.
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California Real Estate Disclosures: What Sellers and Buyers Need to Know
California Real Estate Disclosures: What Sellers and Buyers Need to Know
If you’re buying or selling a home in California, disclosures are not optional — they are a critical part of the transaction designed to protect both parties and prevent surprises after closing.
California has some of the most comprehensive disclosure laws in the country. Understanding them upfront can help you avoid delays, renegotiations, or legal issues later.
Here’s a practical breakdown of what disclosures are, why they matter, and what to expect during a residential real estate transaction.
What Are Real Estate Disclosures?
A disclosure is written information about a property that could affect a buyer’s decision to purchase or the price they’re willing to pay. These disclosures typically address:
The physical condition of the home
Known defects or repairs
Environmental or natural hazards
Legal or financial obligations tied to the property
California law places the primary responsibility for disclosures on the seller, with additional duties imposed on real estate agents to investigate and disclose material facts.
The Transfer Disclosure Statement (TDS)
One of the most important documents in a California home sale is the Real Estate Transfer Disclosure Statement (TDS).
This form requires the seller to disclose, to the best of their knowledge:
The condition of major systems (roof, plumbing, electrical, HVAC)
Past or present leaks, water damage, or structural issues
Unpermitted additions or repairs
Neighborhood nuisances (noise, odors, etc.)
HOA involvement or shared features
Environmental hazards such as asbestos, lead-based paint, or contaminated soil
Importantly, the TDS is not a warranty — but buyers are legally allowed to rely on the information provided when deciding whether to move forward.
If disclosures are delivered after an offer is accepted, buyers are given a short window to cancel the contract without penalty.
Natural Hazard Disclosures (NHD)
California sellers must also disclose whether a property is located in certain state- or federally-designated hazard zones, including:
Flood zones
Earthquake fault zones
Seismic hazard zones (liquefaction or landslides)
Very high fire hazard severity zones
Wildland fire areas
These disclosures are typically made using a Natural Hazard Disclosure Statement, often completed by a third-party reporting company. Even when a third party is used, the seller and agent remain responsible for ensuring the disclosure is delivered to the buyer.
Hazard disclosures help buyers understand potential insurance costs, building restrictions, and long-term risks tied to the property.
Additional Seller Disclosures You Should Know About
Depending on the property and transaction, sellers may also be required to provide disclosures related to:
Mello-Roos taxes or special assessments
Supplemental property tax notices
Methamphetamine contamination orders
Window security bars and pool safety features
Industrial zoning or nearby nuisance uses
Water heater earthquake bracing
Registered sex offender database notice
Lead-based paint disclosures (for homes built before 1978)
Failing to properly disclose these items can expose a seller to claims of misrepresentation — even years after closing.
What Are Agents Required to Disclose?
Licensed real estate agents in California have independent disclosure obligations. Agents must:
Conduct a reasonably competent visual inspection of accessible areas
Disclose material facts affecting value, desirability, or intended use
Disclose known defects even if the seller does not
Properly explain agency relationships (buyer, seller, or dual agency)
Agents are not required to perform technical inspections, but they cannot ignore visible red flags or known issues.
Why Disclosures Matter (for Both Sides)
Disclosures protect everyone involved:
For sellers, proper disclosures:
Reduce legal risk after closing
Build buyer confidence
Prevent deals from falling apart late in escrow
For buyers, disclosures:
Provide transparency
Help inform inspections and negotiations
Prevent costly surprises after move-in
In short: honest, timely disclosures keep transactions smoother and safer.
Work With a Broker Who Takes Disclosures Seriously
Disclosure laws are detailed, technical, and constantly evolving. Having an experienced broker who understands both the legal requirements and the practical realities of escrow can make a major difference.
At San Diego 1 Percent Listing, disclosures aren’t treated as paperwork — they’re treated as a critical part of protecting our clients and closing clean, defensible transactions.
Thinking of Selling?
If you’re preparing to sell and want help navigating disclosures the right way — without over-disclosing, under-disclosing, or risking liability — let’s talk.
👉 Schedule a free seller consultation
👉 Get a professional disclosure strategy before you list
Legal Note
This article is for general informational purposes only and is not legal advice. Disclosure laws can change, and every property is different. Buyers and sellers should consult qualified real estate and legal professionals regarding their specific situation. Information summarized from the California Department of Real Estate disclosure guidelines
