6291 Camino De La Costa
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6291 Camino De La Costa

Dbottom 20%

La Jolla, CA 92037

$15,850,000
NEW — 1d
STR-eligible · San Diego Tier 3 · TOT 12.75%

One license per person in San Diego: whether you can hold it depends on you, not only the home.

157 licensed short-term rentals within ½ mile (132 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$104,979/mo full cashflow at 20% down, 7.36% rate.

Works at $2,113,306 (87% under asking); even all cash loses money at asking.

Rent $20,974/mo from 15 leases of 4–6 bed houses within 1 mi ($17,155–$23,429).

Beds

5

Baths

7

Sqft

6,448

Year Built

2000

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026908SD

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

About This Property

European elegance finds a coastal expression on La Jolla’s coveted Camino de la Costa. Originally designed by respected local firm Island Architects, the residence has evolved through three renovations, culminating in its latest transformation by Danish designer Lotus Bech with We Curate Life. Her cohesive vision brings together the warmth of the French countryside, Parisian refinement, and the relaxed spirit of the Côte d’Azur. Spanning nearly 6,500 square feet across three levels, the home enjoys expansive views from many of its rooms. The primary suite and office overlook the ocean, with sweeping sunset vistas. Four additional bedrooms, each with an en suite bathroom. Complemented by three additional bathrooms. Two living rooms, a formal dining room, and a covered terrace offer generous settings for gathering and seamless indoor-outdoor living. Wide-plank and herringbone wood floors, Venetian-plastered walls and staircase, marble accents, and a natural stone fireplace create a warm, layered foundation. Graceful archways, wrought-iron sliding doors, and bespoke architectural details lend character and continuity throughout. The kitchen pairs custom cabinetry and marble countertops with brass hardware and a French range, balancing everyday functionality with timeless appeal. Custom furnishings and upholstery, Scandinavian design, and pieces sourced from artisans around the world create interiors that feel collected and deeply considered. Sculptural lighting, decorative wall treatments, custom hardware, and natural oak closets carry that attention to detail into every room. Generous gathering spaces are balanced by intimate places to retreat. A garden-inspired listening lounge offers a setting for music and conversation, while dining-room doors open to white roses, clipped hedges, and cottage-inspired gardens. On the lowest level, a wine room and lounge create an inviting retreat, alongside a dedicated gym and spa area with a steam shower and sauna. Natural light fills the interiors, and ocean-view balconies invite lingering evenings beneath La Jolla’s sunset skies. Offered fully furnished, with the wine collection included, the residence presents a complete expression of European-inspired coastal living.

Mortgage Calculator

Est. Monthly Payment

$107,921

Principal & Interest$87,448
Property Tax$15,850
Insurance$4,623
%($3,170,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    La Jolla Elementary · grades K-5 · San Diego Unified

  • Middle

    Muirlands Middle · grades 6-8 · San Diego Unified

  • High

    La Jolla High · grades 9-12 · San Diego Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

0D
Est. Monthly Rent
$20,974

15 leases of 4–6 bed houses within 1 mi · $17,155–$23,429

Monthly Cashflow

Rent − PITIA

-$86,947
Full Cashflow

Incl. vacancy, PM, maint, capex

-$104,979

What would make this work?

$104,979/mo short at 20% down; +$136,337/mo rent closes it.

Break-even price

87% under asking

$2,113,306
Break-even rent

$136,337/mo above the estimate

$157,311/mo
Cashflow at 35% down
−$88,583/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$87,448
Cap Rate
-1.25%
Cash-on-Cash
-39.74%
DSCR

Need ≥ 1.25 for DSCR loan

0.19

NOI (Annual)
-$197,792
Price-to-Rent

Lower = better for investors

63.0

* Modelled at 20% down, 7.36% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

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

Open Full Calculator
DCashflow−$104,979/mo