Illustrative case study
What rebuilding to sell can look like.
A representative ~3,600 sq ft lot in Pacific Palisades — the same math we'd run on yours. The gap between selling the land as-is and selling a finished home is the whole opportunity.
Figures are rounded and illustrative — a typical scenario built from current 90272 market evidence and standard cost assumptions, not an actual client's file.
The decision
Three paths from the same lot.
Roughly $660,000 separates the easiest option from the most rewarding one.
Sell the lot now
~$1.6M
The lot as it stands, plus the insurance cash you keep.
No cost · No risk
No timeline
Sell with permits
~$1.7M
Take it through the City, then sell an approved, build-ready lot.
~$75K in · ~6 months
No construction risk
Build, then sell
~$2.3M
Build a ~3,200 sq ft home and sell the finished house.
Financed build · 22–24 months
We handle the build and the sale
Difference between selling the dirt and selling the finished home: about $660,000 in your pocket.
The envelope
Why the lot is worth more than it looks.
Ordinary zoning would cap a new home near 1,600 sq ft. Wildfire-rebuild provisions measure against what stood before instead — and that's the entire opportunity.
For context, the median home being permitted on comparable Palisades blocks is ~3,400 sq ft.
If you build
The project, line by line.
A ~3,200 sq ft build, financed, sold at the pre-fire median for new construction in these blocks.
Where the insurance sits
Insurance proceeds~$1,000,000
Less mortgage payoff~($500,000)
Available to construction~$500,000
The build
Construction · ~3,200 sf at ~$650/sf~$2,080,000
Design, engineering & permits~$75,000
Less insurance applied~($500,000)
Construction loan required~$1,655,000
Interest over the build (at 6%)~$77,000
Home sells at ~$1,300/sf~$4,160,000
Less selling costs (~4%)~($166,000)
You end up with~$2,260,000
Below about $1,085/sf, the project stops being worth doing.
That's the break-even — the number to watch, rather than any of the ones above it. If the market can't clear it, we tell you before you spend a dollar.
Illustrative only. Figures are rounded and representative of a typical Pacific Palisades rebuild-to-sell scenario, based on current 90272 market evidence and standard cost and timeline assumptions. They are not an actual client's figures, an appraisal, a valuation, or a guarantee of results. Every project differs by lot, plan, permitting, financing, and market conditions. Buildable area depends on lot-specific setback and height review. Insurance figures vary by policy. Nothing here is legal, financial, insurance, tax, or permitting advice. We introduce you to lenders and never advise on financing; you choose and control your own.