6077 Firwood Row San Diego

6077 Firwood Row San Diego

D

La Jolla, CA 92037

$2,180,000

Beds

4

Baths

3.5

Sqft

2,939

Year Built

1997

Days on Market

18

Property Type

Single Family

HOA/mo

$300

MLS ID

260003347SD

View on MLS

Description

Located within La Jolla’s prestigious gated Ridgegate community and the highly sought-after La Jolla school district, this exceptional residence presents one of the neighborhood’s most desirable and rarely available floor plans. Soaring 20 foot ceilings, Italian marble floors, a crystal chandelier entry, and a custom wrought iron staircase create a striking first impression. Crown moulding and plantation shutters add refined detail throughout. The remodeled chef’s kitchen showcases stainless steel appliances and an expansive 10 foot center island, seamlessly opening to generous living and entertaining spaces that include formal living and dining rooms and an oversized family room. The home offers four bedrooms plus a versatile loft and 3.5 baths, featuring hardwood floors and marble appointed bathrooms throughout. The private primary suite is a true retreat, complete with dual walk in closets, a remodeled marble bath, a marble fireplace, and a secluded deck. A ground level bedroom with en suite bath provides ideal accommodations for guests or multigenerational living. Upstairs, two additional bedrooms, a full bath, and a spacious laundry room complete the layout. Upgrades include brand new HVAC systems, a new Rheem water heater, a reverse-osmosis water filtration system, SunTek solar window film, and 22 fully owned Tesla solar panels. The garage features built in storage and EV charging readiness. Ridgegate residents enjoy resort style amenities including a heated pool and spa, clubhouse, sports court, BBQ area, playground, and private park, all with the lowest HOA fees in La Jolla.

Mortgage Calculator

Est. Monthly Payment

$14,139

Principal & Interest$11,023
Property Tax$2,180
Insurance$636
HOA$300
%($436,000)
%

Investment Score

0D
Est. Monthly Rent

Estimated Rent

$5,528
Monthly Cashflow

Rent − PITI − HOA

$-8,611
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,699

Mortgage (P+I)
$11,023
Cap Rate
-0.37%
Cash-on-Cash
-23.70%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$14,139

NOI (Annual)
$-8,113
Price-to-Rent

Lower = better for investors

32.9

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

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