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1597 Piedmont
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1597 Piedmont

Ctop 80%

Chula Vista, CA 91913

$860,000
NEW — 0d
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: -$3,550/mo full cashflow at 20% down, 7.43% rate.

Works at $397,769 (54% under asking), or at 80% down.

Rent $4,126/mo from 10 leases of 2–4 bed houses within 1 mi ($3,938–$4,167).

Beds

3

Baths

2.5

Sqft

1,649

Year Built

2001

Days on Market

0

Property Type

Single Family

HOA/mo

$122

MLS ID

260026400SD

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

About This Property

1597 Piedmont St is a two-story Chula Vista home with over 1,500 sq ft of living space. A covered front porch faces the lawn and central walkway. Inside, a corner fireplace anchors the main living and dining areas, while a wide peninsula opens the kitchen to the adjoining room. An upper-level sitting area provides another gathering space. The primary suite includes a walk-in closet, dual-sink vanity, tub and separate shower. A laundry closet sits on the upper level near the bedrooms, and an attached two-car garage has access at the rear of the home.

Mortgage Calculator

Est. Monthly Payment

$6,010

Principal & Interest$4,778
Property Tax$860
Insurance$251
HOA$122
%($172,000)
%
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.

Comparable Properties

5 comps found

This Property

$4,126

vs

Comp Average

$4,241

1844 San Sebastian

1844 San Sebastian

4bd / 2.5ba · 1,649 sqft · Single Family

$775K

Est. $4,145/mo

1656 Calle De La Flor

1656 Calle De La Flor

4bd / 2.5ba · 1,694 sqft · Single Family

$810K

Est. $4,312/mo

1858 Wedgewood Pl

1858 Wedgewood Pl

3bd / 3.5ba · 1,822 sqft · Single Family

$808K

Est. $4,288/mo

875 Ridgewater

875 Ridgewater

4bd / 2ba · 1,766 sqft · Single Family

$879K

Est. $4,408/mo

2053 Clearwater Place

2053 Clearwater Place

3bd / 2.5ba · 1,532 sqft · Single Family

$905K

Est. $4,052/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

35C
Est. Monthly Rent
$4,126

10 leases of 2–4 bed houses within 1 mi · $3,938–$4,167

Blended 50/50 with the zip's market median ($4,116)

Monthly Cashflow

Rent − PITIA

-$1,885
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,550

What would make this work?

$3,550/mo short at 20% down; 80% down or +$4,611/mo rent closes it.

Break-even price

54% under asking

$397,769
Break-even rent

$4,611/mo above the estimate

$8,737/mo
Cashflow at 35% down
−$2,654/mo
Down payment to break even

$688,000 cash

80%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$4,778
Cap Rate
2.00%
Cash-on-Cash
-24.77%
DSCR

Need ≥ 1.25 for DSCR loan

0.69
NOI (Annual)
$17,204
Price-to-Rent

Lower = better for investors

17.4

* 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−$3,550/mo