1085 Winding Oak Drive
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1085 Winding Oak Drive

Ctop 80%

Chula Vista, CA 91910

$974,900

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 →

Virtual Tour

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

Principal & Interest$5,379
Property Tax$975
Insurance$284
%($194,980)
%
Loan Term

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.

Investment Score

28C
Est. Monthly Rent
$4,372

16 leases of 3–5 bed houses within 1 mi · $4,076–$4,524

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,266
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,084

What would make this work?

$4,084/mo short at 20% down; 81% down or +$5,303/mo rent closes it.

Break-even price

55% under asking

$440,571
Break-even rent

$5,303/mo above the estimate

$9,675/mo
Cashflow at 35% down
−$3,075/mo
Down payment to break even

$789,669 cash

81%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,379
Cap Rate
1.86%
Cash-on-Cash
-25.13%
DSCR

Need ≥ 1.25 for DSCR loan

0.66

NOI (Annual)
$18,165
Price-to-Rent

Lower = better for investors

18.6

* 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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CCashflow−$4,084/mo