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I'm having some trouble envisioning what you're describing. Normally on a boat that has "encapsulated ballast", there is no distinct "keel hull joint". Generally, the keel is a seamless continuation of the hull fibreglass, without any "joint".
I'm not familiar with your model boat, but could it be that you have a keel that is bolted on? If so, these are not normally referred to as encapsulated ballast. Also, keels attached in this manner can sometimes develop leaks around the keel bolts, but usually you'd see some evidence of a problem when you visually inspect it.
If your boat in fact has encapsulated ballast, again I would expect to see some visual evidence of a problem if the keel area was the source of the water. Aside form the hunch, do you have any other reason to believe the water is coming from the keel area (other than that's where it pools in the bilge)? Small leaks like these can come from lots of different sources and are notoriously difficult to pinpoint.
Hopefully others can shed some light on this.
Edit: I see Jeff responded while I was typing -- sorry for the redundance...