7640 Palmilla Dr

7640 Palmilla Dr #104

D

San Diego, CA 92122

$799,000

Soft Appraisal Value: $784,000 · 1.9% above estimate

Beds

2

Baths

2

Sqft

1,004

Year Built

1987

Days on Market

13

Property Type

Condo

HOA/mo

$605

MLS ID

260005255SD

Description

Rarely available "Carriage-Style" end-unit in the highly sought-after Marbella community of La Jolla Colony! This unique home offers the ultimate in privacy and quiet with no neighbors above or below. Step inside to an expansive, light-filled open floor plan featuring vaulted ceilings and large windows that only an end-unit can provide. The single-level living space flows seamlessly to a private balcony, perfect for morning coffee or evening breezes. The primary suite is a peaceful retreat, while the secondary bedroom is ideal for guests or a home office. Marbella Unit 104 | Privacy & Layout: Rare end-unit with no neighbors above or below. This "Carriage-Style" floor plan offers the quiet and privacy of a detached home with soaring vaulted ceilings and abundant natural light. Rare 2-Car Garage: Includes an attached, side-by-side 2-car garage with direct interior access—a premium feature for La Jolla Colony. Top-Tier Schools: Located in the prestigious University City cluster: Doyle Elementary (Walking Distance) Standley Middle * UC High HOA Value ($605 Total): Professional management by Moonstone Management & Consulting. Monthly dues cover Water, Trash, Exterior Maintenance (including Roof), Sewer, Gated Security, and access to the resort-style pool/spa and La Jolla Colony trails. Location: Walkable to Vons, Starbucks, and Doyle Park. Minutes to UCSD, Westfield UTC, and La Jolla beaches.

Mortgage Calculator

Est. Monthly Payment

$5,677

Principal & Interest$4,040
Property Tax$799
Insurance$233
HOA$605
%($159,800)
%

Investment Score

0D
Est. Monthly Rent
$3,078
Monthly Cashflow

Rent − PITI − HOA

$-2,599
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,973

Mortgage (P+I)
$4,040
Cap Rate
0.10%
Cash-on-Cash
-29.83%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.54
Break-even Rent
$8,238

NOI (Annual)
$807
Price-to-Rent

Lower = better for investors

21.6

* 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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