1553 Copa De Oro Drive
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1553 Copa De Oro Drive

Dbottom 20%

La Jolla, CA 92037

$5,799,000
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.

27 licensed short-term rentals within ½ mile (17 whole home), from the cities' license and permit lists of Nov 10, 2026.

Pass at asking: -$35,383/mo full cashflow at 20% down, 7.43% rate.

Works at $1,191,987 (79% under asking); even all cash loses money at asking.

Rent $11,890/mo from 18 leases of 3–5 bed houses within 0.5 mi, same school area ($9,624–$13,914).

Beds

4

Baths

4.5

Sqft

3,370

Year Built

1973

Days on Market

101

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2607247

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

Virtual Tour

About This Property

Sweeping Views San Diego city, bay, Coronado Bridge, and ocean views, this exceptional luxury single-level residence offers a rare blend of contemporary design, privacy, and effortless elevated coastal living. Expansive views stretch across the Pacific Ocean to Mission Bay to Downtown creating a spectacular backdrop both day and night. Thoughtfully designed around an open-concept floor plan, the home features two view primary suites with spa like finishes, two California king en-suite secondary bedrooms and sophisticated living spaces that seamlessly connect to the lush outdoors garden. The chef's kitchen serves as the centerpiece of the home, quartzite counters, appointed with a full suite of Sub Zero and Wolf appliances along with 146 bottle wine fridge, two dishwashers. Exceptional craftsmanship is evident throughout, highlighted by wide-plank white oak flooring, custom cabinetry, designer lighting, curated natural stone and fine plaster finishes. Set on a rare, predominantly flat lot on a quiet side street, the grounds have been thoughtfully designed to create a private resort-like retreat. Multiple outdoor living spaces include a private grassy backyard, mature landscaping, a 85 foot wide deck and an outdoor complete kitchen—offering the ideal setting for both large-scale entertaining and everyday enjoyment. A truly rare opportunity to acquire a meticulously renovated coastal residence that combines panoramic ocean views, refined finishes, exceptional privacy, and seamless indoor-outdoor living in one of the La Jolla’s most coveted locations. The property has pool & spa addition options ask for details.

Mortgage Calculator

Est. Monthly Payment

$39,706

Principal & Interest$32,216
Property Tax$5,799
Insurance$1,691
%($1,159,800)
%
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

0D
Est. Monthly Rent
$11,890

18 leases of 3–5 bed houses within 0.5 mi, same school area · $9,624–$13,914

Monthly Cashflow

Rent − PITIA

-$27,816
Full Cashflow

Incl. vacancy, PM, maint, capex

-$35,383

What would make this work?

$35,383/mo short at 20% down; +$45,952/mo rent closes it.

Break-even price

79% under asking

$1,191,987
Break-even rent

$45,952/mo above the estimate

$57,842/mo
Cashflow at 35% down
−$29,343/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$32,216
Cap Rate
-0.53%
Cash-on-Cash
-36.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.30

NOI (Annual)
-$30,872
Price-to-Rent

Lower = better for investors

40.6

* Modelled at 20% down, 7.43% 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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DCashflow−$35,383/mo