410 Pearl St.
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410 Pearl St. #2B

D

La Jolla, CA 92037

$1,198,000
NEW — 0d

Beds

2

Baths

2

Sqft

868

Year Built

1990

Days on Market

0

Property Type

Condo

HOA/mo

$641.2

MLS ID

260010015SD

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

About This Property

There are addresses that simply belong to their surroundings — and Pearl Street, a single block from the Pacific, is one of them. The Pearl at Chiara is a residence that rewards the discerning eye. Thoughtfully reimagined across a 2020–2021 renovation, Unit 2B has been elevated beyond its origin — the countertops were thoughtfully chosen, the lighting curated by someone who understands that atmosphere is architecture. Light is the residence's defining material. The interiors are luminous — bright, airy, and composed, with a spatial generosity that transcends the footprint. Two well-proportioned bedrooms and two full baths. A living environment that is at once serene and fully alive to its surroundings. And those surroundings are without peer. The Pearl is located in the village.. the heart of La Jolla where you’ll find a vibrant walkability to the celebrated restaurants, galleries, shopping and more. Horseshoe beach lies steps beyond the door. Just a few more steps and you’ll encounter the Children's Pool, one of the best spots for wildlife viewing around, The Cove, Cuvier Park, and the storied campus of The Bishop's School complete a context that speaks as fluently to family as it does to the sea. The Pearl at Chiara. A residence of quiet consequence, one block from the water.

Mortgage Calculator

Est. Monthly Payment

$8,246

Principal & Interest$6,058
Property Tax$1,198
Insurance$349
HOA$641
%($239,600)
%

Location

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Investment Score

0D
Est. Monthly Rent
$3,665
Monthly Cashflow

Rent − PITIA

$-4,581
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,422

Mortgage (P+I)
$6,058
Cap Rate
-0.37%
Cash-on-Cash
-32.16%
DSCR

Need ≥ 1.25 for DSCR loan

0.44
Break-even Rent
$12,006

NOI (Annual)
$-4,374
Price-to-Rent

Lower = better for investors

27.2

* Defaults: 20% down, 6.5% rate, 30yr.

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

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