5780 Rutgers Road

5780 Rutgers Road

D

La Jolla, CA 92037

$7,650,000

Soft Appraisal Value: $7,326,400 · 4.4% above estimate

Beds

5

Baths

5.5

Sqft

5,569

Year Built

2019

Days on Market

9

Property Type

Single Family

HOA/mo

N/A

MLS ID

260006680SD

Description

Welcome to Rutgers Road, a beautifully constructed ocean-view residence in La Jolla where no detail has been overlooked, with over $1.2M in professionally designed upgrades. Showcasing exceptional landscape architecture, the outdoor spaces feature an ocean-view pool and spa with a cascading waterfall, outdoor movie theatre, and multiple thoughtfully designed living areas and amenities. Perched in the iconic hills overlooking the Pacific, the home spans three levels yet lives primarily like a single story, with the main floor offering the kitchen, living room, view deck, primary suite, two additional bedrooms, office, laundry, pantry, garage access, and a private housekeeper’s room—an incredibly rare layout for a home of this scale. The primary suite is a true retreat, featuring a spa-inspired marble bathroom with heated floors and a spacious walk-in closet. Extensively upgraded throughout, the home blends refined interiors with resort-style outdoor living. The backyard has been transformed into a private oasis with a new pool and spa, elevated terrace with glass railings, Trex decking, outdoor kitchen and BBQ, fire pit, motorized pergola with heaters, infrared sauna, and cold plunge, all enhanced by professional landscaping, drainage, and lighting. The front yard offers striking curb appeal with curated landscaping, including King Palms, olive trees, and a statement fountain. Additional upgrades include exterior and structural improvements, custom railings, upgraded electrical and AV systems, solar, security, and custom window treatments.

Mortgage Calculator

Est. Monthly Payment

$48,564

Principal & Interest$38,683
Property Tax$7,650
Insurance$2,231
%($1,530,000)
%

Investment Score

0D
Est. Monthly Rent
$19,148
Monthly Cashflow

Rent − PITI − HOA

$-29,416
Full Cashflow

Incl. vacancy, PM, maint, capex

$-40,195

Mortgage (P+I)
$38,683
Cap Rate
-0.24%
Cash-on-Cash
-31.53%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.39
Break-even Rent
$71,349

NOI (Annual)
$-18,144
Price-to-Rent

Lower = better for investors

33.3

* 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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