About 985 Fern Ave
ASSUMABLE VA LOAN | LARGE CORNER LOT | ADU/JADU POTENTIAL Coastal charm meets investment potential on this spacious corner lot in Imperial Beach. This single-level home offers a permitted 3BR/1BA layout plus a versatile bonus suite from the former garage - complete with its own entrance, bedroom, bath, and living/sleep space. Ideal for guests, multigenerational living, or rental income. The outdoor area was expanded via a city-approved fence encroachment. The oversized yard is a private retreat with a new concrete lounge and fire pit - great for entertaining or relaxing. Wide frontage and lot design make future planning straightforward, with potential for an ADU and JADU under Imperial Beach’s pre-approved program (buyer to verify). A whole-home water filtration and softener system protects plumbing, fixtures, and appliances, and conveys with sale. Enjoy the laid-back lifestyle minutes from Seacoast Drive and the beach. The coast hosts the SDGirls Run Club and offers surf at IB Pier, plus ice cream shops, beachside cafes, lively indoor/outdoor bars, a dog-friendly beach, and ocean sunsets. Stroll to the monthly Farmers Market at Veterans Park, with playgrounds, picnic space, a soccer field, and the Imperial Beach Library. Or explore the remodeled Egger-South Bay Park and the Bayshore Bikeway - both within walking distance. Off-street parking for two plus abundant street parking. Best of all, an assumable VA loan (for qualified buyers) can reduce monthly payments versus today’s rates - unlocking coastal living with growth potential now and for years to come.
Features of 985 Fern Ave
| MLS® # | 250042728SD |
|---|---|
| Price | $825,000 |
| Bedrooms | 4 |
| Bathrooms | 2.00 |
| Full Baths | 2 |
| Square Footage | 1,632 |
| Acres | 0.14 |
| Year Built | 1954 |
| Type | Residential |
| Sub-Type | Single Family Residence |
| Status | Active |
Community Information
| Address | 985 Fern Ave |
|---|---|
| Area | 91932 - Imperial Beach |
| Subdivision | Imperial Beach |
| City | Imperial Beach |
| County | San Diego |
| Zip Code | 91932 |
Amenities
| Parking Spaces | 2 |
|---|---|
| Parking | Driveway, Other |
| Garages | Driveway, Other |
| Is Waterfront | No |
| Has Pool | No |
| Pool | None |
Interior
| Appliances | Dishwasher, Disposal, Gas Oven, Gas Range, Microwave, Refrigerator, Water Softener |
|---|---|
| Heating | Natural Gas |
| Cooling | None |
| Has Basement | No |
| Fireplace | No |
| # of Stories | 1 |
| Stories | One |
Exterior
| Exterior | Stucco, Stone |
|---|---|
| Roof | Flat, Asphalt |
| Construction | Stucco, Stone |
Additional Information
| Date Listed | October 28th, 2025 |
|---|---|
| Days on Market | 5 |
| Zoning | R-1:SINGLE |
| Foreclosure | No |
| Short Sale | No |
| RE / Bank Owned | No |
Listing Details
| Agent | Chris Greene |
|---|---|
| Office | KRC Real Estate |