5628 Linda Rosa

5628 Linda Rosa

D

La Jolla, CA 92037

$2,795,000
NEW — 5d on market

Soft Appraisal Value: $2,727,200 · 2.5% above estimate

Beds

3

Baths

2

Sqft

1,414

Year Built

1962

Days on Market

5

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2602704

Description

Perched on an elevated cul-de-sac in the heart of Bird Rock, La Jolla, this single-level modern home offers sweeping ocean and treetop views. Expansive windows fill the living spaces with natural light, while the living and dining areas each have a charming fireplace. The home’s showpiece is the permitted ~500 sq ft ocean-view terrace—ideal for seamless indoor-outdoor living—featuring a stainless steel pergola, tempered glass railings, and reinforced concrete tile flooring for unforgettable sunset evenings. Inside, custom finishes are paired with premium appliances and a wine fridge. Major upgrades over time include windows, doors, roof, HVAC, tankless water heater, and remodeled bathrooms. An additional ~400 sq ft lower-level bonus space (non-permitted) with full bath, sink, and mini fridge offers flexible use as a studio, office, or creative retreat. Conveniently located near the beach, local cafés, restaurants, and Bird Rock Elementary School.

Mortgage Calculator

Est. Monthly Payment

$17,743

Principal & Interest$14,133
Property Tax$2,795
Insurance$815
%($559,000)
%

Investment Score

0D
Est. Monthly Rent
$6,911
Monthly Cashflow

Rent − PITI − HOA

$-10,832
Full Cashflow

Incl. vacancy, PM, maint, capex

$-14,751

Mortgage (P+I)
$14,133
Cap Rate
-0.27%
Cash-on-Cash
-31.67%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.39
Break-even Rent
$26,068

NOI (Annual)
$-7,412
Price-to-Rent

Lower = better for investors

33.7

* 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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