1085 Winding Oak Drive
Ctop 80%Chula Vista, CA 91910
Pass at asking: -$4,084/mo full cashflow at 20% down, 7.36% rate.
Works at $440,571 (55% under asking), or at 81% down.
Rent $4,372/mo from 16 leases of 3–5 bed houses within 1 mi ($4,076–$4,524).
Beds
4
Baths
2.5
Sqft
1,889
Year Built
1985
Days on Market
46
Property Type
Single Family
HOA/mo
N/A
MLS ID
PTP2607299
This property is in Chula Vista (91910). Browse neighborhood analytics →
About This Property
Unbeatable Value! DESIREABLE RANCHO DEL REY AREA. Original owner lovingly cared for this home & added many extras/upgrades including PAID SOLAR. No Mello Roos/HOA fees. Wonderful open floor plan. Formal tiled entry opens to a spacious living room with dramatic vaulted ceilings, elegant bamboo flooring, separate formal dining room with kitchen access, & a convenient 1st floor bedroom (optional den/office) with new carpeting, & adjoining bathroom. Kitchen remodeled about 2 yrs ago, plenty of cabinets/counter space, new appliances, tile flooring, breakfast bar, yard views, + large dinette area w/sliding patio door. Adjoining family room has tiled floors, brick fireplace w/gas, sliding door to yard. Stairs w/new carpeting lead to bamboo flooring in all bedrooms/hallway. Plantation shutters all upstairs bedrooms. Double door entry to large principal bedroom, vaulted ceilings, bamboo floors, plantation shutters, walk in closet, bathroom w/newer double sink vanity, tile floors, new shower doors. Features: fresh new interior paint. Newer roof, A/C, dual pane windows/sliders about 6 yrs ago. Approx. 2 yrs ago: exterior paint, new FA unit & ducting, water heater, toilets. Extra parking + approx. 25 x 13 ft RV pad! Front 27 x 13 ft stamped concrete patio slab. Beautiful rear yard with 30 x 12 covered patio, perfect for family BBQ's and fun. Walk 1 block to Sunridge Park, near shopping, schools, freeways. VALUE RANGE PRICING $944,900 to $974,900.
Mortgage Calculator
Est. Monthly Payment
$6,638
Location
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Zoned Schools
Elementary
Casillas (Joseph) Elementary · grades K-6 · Chula Vista Elementary
Middle
Rancho del Rey Middle · grades 7-8 · Sweetwater Union High
High
Otay Ranch Senior High · grades 9-12 · Sweetwater Union High
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$4,372
Comp Average
$4,524

1116 Sage View
4bd / 3ba · 2,079 sqft · Single Family
$825K
Est. $4,668/mo
749 Neptune Court
4bd / 2ba · 1,929 sqft · Single Family
$800K
Est. $4,196/mo
917 Via Terecina
4bd / 2.5ba · 1,827 sqft · Single Family
$849K
Est. $4,251/mo
1268 Calle Candelero
4bd / 2.5ba · 2,074 sqft · Single Family
$1.10M
Est. $4,787/mo
779 Cholla Rd
4bd / 2.5ba · 2,074 sqft · Single Family
$1.14M
Est. $4,717/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
16 leases of 3–5 bed houses within 1 mi · $4,076–$4,524
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,084/mo short at 20% down; 81% down or +$5,303/mo rent closes it.
- Break-even price
- $440,571
- Break-even rent
- $9,675/mo
- Cashflow at 35% down
- −$3,075/mo
- Down payment to break even
- 81%
- Rate to break even
- Not reachable
55% under asking
$5,303/mo above the estimate
$789,669 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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