9781 Keeneland Row
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9781 Keeneland Row

Ctop 80%

La Jolla, CA 92037

$1,679,000
NEW — 1d
STR: check · no permits in this complex · TOT 12.75%

2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.

No unit in this 19-unit complex holds a short-term rental license, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.

Pass at asking: -$8,304/mo full cashflow at 20% down, 7.36% rate.

Works at $592,393 (65% under asking), or at 92% down.

Rent $6,646/mo from 12 leases of 3–5 bed condos & townhomes within 2 mi, same school area ($5,833–$6,528).

Beds

4

Baths

2.5

Sqft

2,601

Year Built

1990

Days on Market

1

Property Type

Condo

HOA/mo

$590

MLS ID

260026885SD

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

About This Property

Location is everything and this gorgeous La Jolla home has it: across from UCSD, minutes from the Salk Institute, Torrey Pines Golf and the Gliderport where you can watch soaring gliders or hike to the beach. This lovely, light filled 4 bedroom, 2.5 bath home offers space for everyone, because with a living room, family room, dining room and private garden, there's plenty of space to spread out, host friends or simply relax. The grand sweeping staircase makes a memorable first impression. Hardwood floors warm the first level and plantation shutters frame every window. The chef's kitchen makes cooking a pleasure. The brand new Dacor induction stove heats lightening quick to get dinner on the table in a snap. The double oven plus microwave with convection oven can handle holiday feasts as well as weeknight meals. The giant island gives you room to prep, organize and entertain. It blends over into the family room and both overlook the private garden. Upstairs, the spacious primary suite is a sanctuary, complete with balcony and a generous walk-in closet. The deluxe ensuite bathroom features a step-in shower and separate tub. Breathe easy because the new HEPA filtered air conditioning system gives you some of the cleanest air in La Jolla. Drink pristine water as the new reverse osmosis water system means every glass is clean and crisp. The private gate to Estancia Hotel and Spa is steps away to where you can purchase a discounted package to use the amenities including pool, gym and spa. Come see for yourself; you'll feel at home the minute you walk in!

Mortgage Calculator

Est. Monthly Payment

$12,022

Principal & Interest$9,263
Property Tax$1,679
Insurance$490
HOA$590
%($335,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Torrey Pines 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

9C
Est. Monthly Rent
$6,646

12 leases of 3–5 bed condos & townhomes within 2 mi, same school area · $5,833–$6,528

Blended 50/50 with the zip's market median ($7,147)

Monthly Cashflow

Rent − PITIA

-$5,376
Full Cashflow

Incl. vacancy, PM, maint, capex

-$8,304

What would make this work?

$8,304/mo short at 20% down; 92% down or +$10,785/mo rent closes it.

Break-even price

65% under asking

$592,393
Break-even rent

$10,785/mo above the estimate

$17,431/mo
Cashflow at 35% down
−$6,567/mo
Down payment to break even

$1,544,680 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$9,263
Cap Rate
0.92%
Cash-on-Cash
-29.68%
DSCR

Need ≥ 1.25 for DSCR loan

0.55

NOI (Annual)
$15,499
Price-to-Rent

Lower = better for investors

21.1

* 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.

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CCashflow−$8,304/mo