


San Diego, CA 92113
Bedrooms
Bathrooms
Sq Ft
Lot Size Sqft
Year Built
HOA
Type
Days on Market
Status
Balance
Loan Type
Years Left
Customize Your Downpayment
Adjust your downpayment to fit your budget
Your Downpayment
$86k
$124.4k
Assumable Loan
Balance
$664,614
Rate
6.92%
Monthly
$5,327
Estimated Monthly Payment
Principal $636
Interest $3,833
Tax & Ins $858
*Savings, rates, payments, and downpayments are estimates; specific figures may vary. Roots offers a service to help buyers find and purchase homes with assumable mortgages. Roots is not a lender and does not make lending decisions. All loan approvals and credit decisions are made independently by the lender, not by Roots.
Bedrooms & Bathrooms
Appliances
Interior Features
Interior Area
Parking
Lot Details
Construction
Community & HOA
Financial & Listing Details
Move-in ready and thoughtfully updated, 3746 Harding Ave offers a rare combination of space, flexibility, and modern comfort in a central San Diego location. This 3-bedroom, 3-bath home spans approximately 1,955 sq ft and features a well-designed two-story layout with multiple living areas on the main level — ideal for everyday living, entertaining, or creating a dedicated home office or flex space. Upstairs, you’ll find three generously sized bedrooms, including a private primary suite with its own balcony — the perfect retreat for morning coffee or unwinding at the end of the day. A secondary bedroom also features a private balcony, enhancing natural light and creating an elevated indoor-outdoor feel. Recent improvements add both value and peace of mind, including fresh interior paint, updated appliances and fixtures, new balcony flooring, low-maintenance turf, and a newly installed mini-split system (2025) for efficient year-round comfort. The home offers a functional layout with the size and versatility that’s increasingly hard to find at this price point, making it an ideal fit for both owner-occupants and long-term investors. Located on a quiet residential street with convenient access to major freeways, shopping, dining, and schools, this home delivers both livability and accessibility in one of San Diego’s most connected neighborhoods. A well-maintained, move-in ready opportunity with space to live, work, and grow — 3746 Harding Ave is not one to miss.
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*Roots offers a service to help buyers find and purchase homes with assumable mortgages. Roots is not a lender and does not make lending decisions. All loan approvals and credit decisions are made independently by the lender, not by Roots.
On Market Since
February 25, 2026
Data Source
CRMLS #260004253SD
Listing Updated
5 days ago
Roots Checked
> 1 month ago
Listed By
Sophia Russo
7169898880
Compass
phil.pometto@compass.com
Information provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.