1142 Pacifica Avenue
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1142 Pacifica Avenue

Ctop 80%

Chula Vista, CA 91913

$1,350,000
STR limited · Chula Vista residents only · TOT 10%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$6,351/mo full cashflow at 20% down, 7.43% rate.

Works at $523,012 (61% under asking), or at 88% down.

Rent $5,333/mo from 10 leases of 4–6 bed houses within 1 mi ($5,314–$5,638).

Beds

5

Baths

3

Sqft

3,019

Year Built

2000

Days on Market

90

Property Type

Single Family

HOA/mo

$89

MLS ID

PTP2606161

This property is in Chula Vista (91913). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to this elegant and spacious 5-bedroom, 3.5-bath residence, thoughtfully designed for comfortable living, entertaining, and everyday enjoyment. From the moment you enter, you are greeted by an impressive entryway, soaring vaulted ceilings, beautiful tile flooring, and an elegant staircase that creates a wonderful sense of arrival. The well-appointed two-story floor plan offers generous living spaces throughout, including a spacious formal living room, inviting family room, and a gourmet kitchen with ample room for gathering and entertaining. A highly desirable private bedroom and bathroom on the first level provides excellent flexibility for guests, extended family, a home office, or multigenerational living. Upstairs, the home continues to impress with generously sized bedrooms and a functional layout offering both comfort and privacy. Additional features include wood flooring on 1st level and carpeting on 2nd level, private laundry room, abundant natural light, vaulted ceilings, solar panels, and numerous thoughtful details throughout. Step outside to a spacious rear yard offering plenty of room to relax, entertain, or create your own private outdoor retreat. The backyard is further enhanced by a private sauna, providing a unique opportunity to unwind and enjoy the comforts of home. Ideally situated in a highly desirable neighborhood with convenient access to schools, shopping, dining, everyday services, and major freeways, this exceptional property offers the perfect combination of space, elegance, functionality, and location. A wonderful opportunity to own a beautiful 5-bedroom home in a sought-after community. This is truly a must-see!

Mortgage Calculator

Est. Monthly Payment

$9,333

Principal & Interest$7,500
Property Tax$1,350
Insurance$394
HOA$89
%($270,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Heritage 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

13C
Est. Monthly Rent
$5,333

10 leases of 4–6 bed houses within 1 mi · $5,314–$5,638

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$4,000
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,351

What would make this work?

$6,351/mo short at 20% down; 88% down or +$8,249/mo rent closes it.

Break-even price

61% under asking

$523,012
Break-even rent

$8,249/mo above the estimate

$13,582/mo
Cashflow at 35% down
−$4,945/mo
Down payment to break even

$1,188,000 cash

88%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,500
Cap Rate
1.26%
Cash-on-Cash
-28.23%
DSCR

Need ≥ 1.25 for DSCR loan

0.57

NOI (Annual)
$16,981
Price-to-Rent

Lower = better for investors

21.1

* Modelled at 20% down, 7.43% 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−$6,351/mo