2.75 ASSUMABLE RATE****PAID OFF SOLAR!*****HUGE PRICE IMPROVEMENT!******* GORGEOUS OTAY RANCH HOME******
The seller is highly motivated and ready to move this incredible home to the right buyer! Opportunities like this are rare, especially with an assumable loan at an unbelievable 2.75% interest rate (ALL qualified buyers may be eligible to assume), creating the potential for substantial monthly savings compared to today's rates.
Located on a premium corner lot in the highly sought-after Otay Ranch community, this beautifully upgraded 4-bedroom, 3-bath residence offers the perfect blend of luxury, comfort, and convenience. The open-concept floor plan showcases gorgeous quartz countertops, newer flooring throughout, stainless steel appliances, and a stunning custom fireplace complete with a built-in minibar—perfect for entertaining family and friends.
Retreat to the spacious primary suite featuring a large walk-in closet, dual vanities, a soaking tub, and a separate shower. Step outside and enjoy professionally designed front and backyards with premium 100 Pro Turf, custom concrete work, decorative rock, and elegant landscape lighting, providing a beautiful, low-maintenance outdoor living space year-round.
Additional highlights include solar for energy efficiency and an unbeatable location just minutes from top-rated schools, parks, shopping, dining, and easy access to major freeways, making commuting throughout San Diego County a breeze.
This is more than just a home, it's an exceptional opportunity to own one of Otay Ranch's finest values with a low-rate assumable loan that could save you thousands. Don't wait! homes with this combination of upgrades, location, and financing advantages don't last. Schedule your private showing today before someone else calls it home!
47 days
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1,456
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74
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Zillow last checked:
Listing updated:
Listed by:
TITUS DAVISDRE #02419585951-702-3184,
Davis Realty Group,
Michael DavisDRE #01804842,
Davis Realty Group
Source: CRMLS,MLS#: IV26116851Originating MLS: California Regional MLS
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Facts & features
Interior
Bedrooms & bathrooms
Bedrooms: 4
Bathrooms: 3
Full bathrooms: 2
1/2 bathrooms: 1
Main level bathrooms: 1
Rooms
Room types: Bedroom
Bedroom
Features: All Bedrooms Up
Heating
Forced Air, Fireplace(s), Natural Gas
Cooling
Central Air
Appliances
Laundry: Gas Dryer Hookup, Laundry Room
Features
Ceiling Fan(s), Dry Bar, Pantry, All Bedrooms Up
Has fireplace: Yes
Fireplace features: Family Room
Common walls with other units/homes: No Common Walls
Interior area
Total interior livable area: 2,148 sqft
Property
Parking
Total spaces: 4
Parking features: Driveway, Garage
Attached garage spaces: 2
Uncovered spaces: 2
Features
Levels: Two
Stories: 2
Entry location: Front door
Pool features: Community, Association
Has view: Yes
View description: None
Lot
Size: 3,771 Square Feet
Features: Back Yard, Close to Clubhouse, Corner Lot, Front Yard
Details
Additional structures: Gazebo
Parcel number: 6442604100
Special conditions: Standard
Construction
Type & style
Home type: SingleFamily
Property subtype: Single Family Residence
Condition
New construction: No
Year built: 2008
Utilities & green energy
Sewer: Public Sewer
Community & HOA
Community
Features: Park, Pool
HOA
Has HOA: Yes
Amenities included: Pool
HOA fee: $163 monthly
HOA name: Vista Verdes
HOA phone: 858-495-0900
Location
Region: Chula Vista
Financial & listing details
Price per square foot: $466/sqft
Tax assessed value: $673,132
Annual tax amount: $13,495
Date on market: 5/30/2026
Cumulative days on market: 47 days
Listing terms: Cash,Cash to Existing Loan,Conventional,Cal Vet Loan,1031 Exchange
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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included
All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.