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6540 Persa St, Carlsbad, CA, 92009

5beds
4baths
3,114sqft
$1,890,000
$607price/sqft
$12,465/moest. monthly cost
$498,600/yrincome needed

About This Home

One-of-a-kind modern retreat in the heart of Olde La Costa, offering a rare opportunity to own a custom, non-tract home with no HOA, a detached ADU, and resort-style grounds on an expansive .26-acre private lot. Set within one of North County’s most sought-after coastal communities—known for its eclectic architecture, larger lots, and character homes—this architecturally distinct residence blends design, flexibility, and lifestyle in a way that is increasingly hard to find. Thoughtfully curated upgrades create a clean, contemporary aesthetic, featuring a statement concrete fireplace, bamboo cabinetry, frosted glass accents, and granite flooring throughout the main living areas. The home’s design is centered aroundDesigned to embrace the coveted Southern California indoor-outdoor lifestyle, the home is anchored by seamless flow to a private backyard retreat. The resort-inspired grounds offer an expansive elevated patio ideal for entertaining, relaxing, and enjoying the year-round coastal climate. Upstairs, the home features four bedrooms, including a spacious primary retreat with westerly-facing peek-a-boo ocean views. The layout also includes a dedicated downstairs office and multiple living areas—ideal for today’s flexible lifestyle needs, including work-from-home living and multigenerational use. A standout feature is the approximately 500 sq ft detached ADU, complete with kitchenette, full bath, living area, and private bedroom—perfect for guests, rental income potential, or extended family living. Located just minutes from world-class beaches, golf, shopping, dining, and top-rated schools, this property captures the essence of coastal Carlsbad living while offering the space, privacy, and individuality today’s buyers are actively seeking.

Getting Around

18
WalkingCar-Dependent
0
TransitNo Nearby Transit
16
BikeSomewhat Bikeable

Schools

7/10
San Elijo Middle SchoolGrades 6-83.1 mi
8/10
San Marcos High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1979

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Modern
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Washer,Electric Oven,Electric Range
  • Laundry features: Gas & Electric Dryer HU

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: FP in Living Room

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Whole House Fan

Interior Area

  • Total structure area: 3,114
  • Total interior livable area: 3,114 sqft

Property

Details

  • Parcel number: 2152803700

Features

  • Levels: 2 Story
  • Pool features: N/K
  • Fencing: Partial

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage,Garage - Front Entry,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
Wildfire

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $9,556$114,672
Home Insurance *$300$3,600
Property Taxes $1,942$23,304
Electricity $667$8,013
Total$12,465$149,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$427,371/yr
40% on housing$373,950/yr
45% on housing$332,400/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$607This listing

vs Other Active Listings

Avg $/sqft

ZIP 92009$579
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92009$696
San Diego County$576

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-14Listed for sale$1,999,000
2001-10-23Sold$380,000

For Sale by Agent

AgentAdrienne Mineiro
BrokerageHarcourts One

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