464 Prospect St
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464 Prospect St #101

C

La Jolla, CA 92037

$3,999,999

Beds

2

Baths

2.5

Sqft

3,283

Year Built

2003

Days on Market

10

Property Type

Condo

HOA/mo

$3,685

MLS ID

260014814SD

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

About This Property

Perched above the coastline in one of the La Jolla’s most prestigious historic addresses, this exceptional 2-bedroom, 2.5-bath residence offers a rare blend of timeless elegance and modern luxury—framed by sweeping white water ocean views. Designed for both refined living and effortless entertaining, the home features expansive living and dining areas bathed in natural light, seamlessly connecting to the ever-changing seascape beyond. The spa-inspired primary suite is a true sanctuary, complete with a lavish bath designed for relaxation and renewal. Residents enjoy access to an unmatched suite of amenities within this iconic building, including an elegant wine cellar with deeded wine storage, formal and casual dining spaces, a state-of-the-art fitness center, and a serene indoor pool. Sophisticated social lounges with panoramic ocean views provide the perfect setting for gatherings or quiet moments alike. Discretion and convenience are paramount, with 24-hour security, a full-service doorman, and secure underground parking offering direct elevator access to the residence. The home may be sold furnished, presenting a turnkey opportunity for effortless luxury living. This is coastal living at its most elevated—where history, service, and breathtaking views converge into a truly rare offering.

Mortgage Calculator

Est. Monthly Payment

$29,078

Principal & Interest$20,226
Property Tax$4,000
Insurance$1,167
HOA$3,685
%($800,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$4,754
Monthly Cashflow

Rent − PITIA

$-24,324
Full Cashflow

Incl. vacancy, PM, maint, capex

$-28,751

Mortgage (P+I)
$20,226
Cap Rate
-2.56%
Cash-on-Cash
-43.13%
DSCR

Need ≥ 1.25 for DSCR loan

0.16
Break-even Rent
$42,093

NOI (Annual)
$-102,297
Price-to-Rent

Lower = better for investors

70.1

* 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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