1115 La Jolla Rancho Road

1115 La Jolla Rancho Road

Ctop 80%

La Jolla, CA 92037

$5,150,000
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

30 licensed short-term rentals within ½ mile (16 whole home), from the cities' license and permit lists of Nov 1, 2026.

Pass at asking: -$27,765/mo full cashflow at 20% down, 7.49% rate.

Works at $1,550,359 (70% under asking), or at 98% down.

Rent $15,530/mo from 13 leases of 4–6 bed houses within 0.5 mi ($13,202–$19,025).

Beds

5

Baths

4

Sqft

4,076

Year Built

1981

Days on Market

—

Property Type

Single Family

HOA/mo

N/A

MLS ID

260025973SD

This property is in La Jolla (92037). View neighborhood stats →

About This Property

This modern Muirlands residence showcases an exceptional, thoughtfully designed floor plan that prioritizes comfort, sophistication, and effortless family living. Expansive whitewater and ocean views, complemented by dazzling city lights after sunset, create a breathtaking backdrop both day and night. Soaring ceilings and tall, wide windows flood the home with natural light, enhancing its bright, airy ambiance while beautifully framing the surrounding views. Owned solar adds energy efficiency and long-term value. With all living spaces and bedrooms conveniently located on the main level, the home offers the ease and convenience of single-level living. Seamlessly blending indoor and outdoor spaces, this inviting residence is ideal for elegant entertaining and relaxed everyday living.

Mortgage Calculator

Est. Monthly Payment

$35,432

Principal & Interest$28,779
Property Tax$5,150
Insurance$1,502
%($1,030,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Bird Rock Elementary · grades K-5 · San Diego Unified

  • Middle

    Muirlands Middle · grades 6-8 · San Diego Unified

  • High

    La Jolla High · grades 9-12 · San Diego Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

4C
Est. Monthly Rent
$15,530

13 leases of 4–6 bed houses within 0.5 mi · $13,202–$19,025

Monthly Cashflow

Rent − PITIA

-$19,901
Full Cashflow

Incl. vacancy, PM, maint, capex

-$27,765

What would make this work?

$27,765/mo short at 20% down; 98% down or +$36,058/mo rent closes it.

Break-even price

70% under asking

$1,550,359
Break-even rent

$36,058/mo above the estimate

$51,588/mo
Cashflow at 35% down
−$22,369/mo
Down payment to break even

$5,047,000 cash

98%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$28,779
Cap Rate
0.42%
Cash-on-Cash
-32.35%
DSCR

Need ≥ 1.25 for DSCR loan

0.44

NOI (Annual)
$21,491
Price-to-Rent

Lower = better for investors

27.6

* Modelled at 20% down, 7.49% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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CCashflow−$27,765/mo