1957 Duke Street
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1957 Duke Street

Ctop 80%

Chula Vista, CA 91913

$1,129,000

Pass at asking: -$4,481/mo full cashflow at 20% down, 7.43% rate.

Works at $545,501 (52% under asking), or at 78% down.

Rent $5,441/mo from 14 leases of houses within 1 mi, size-adjusted ($4,970–$5,263).

Beds

6

Baths

3

Sqft

2,630

Year Built

1977

Days on Market

48

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2607177

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

Virtual Tour

About This Property

Welcome home to 1957 Duke St, a stunning 6-bedroom, 3-bathroom residence spanning 2,630 sq ft near one of Chula Vista's most desirable communities, Eastlake. This home has been completely remodeled from top to bottom, offering the rare combination of modern finishes with the space and flexibility a growing or multigenerational family needs. Step inside to a fresh, move-in-ready interior featuring a beautifully renovated kitchen, updated bathrooms throughout, and brand-new flooring and paint that create a bright, cohesive feel from room to room. With 6 bedrooms and 3 full baths, there's room for everyone — home offices, guest suites, or multigenerational living all fit comfortably here. Outside, the freshly landscaped front yard delivers instant curb appeal and sets the tone for the quality found throughout the rest of the home. Ideally located in Eastlake, one of Chula Vista's most sought-after master-planned neighborhoods, residents enjoy easy access to Otay Lakes, Eastlake's network of parks, walking trails, and the Chula Vista Golf Course. Top-rated schools, the Otay Ranch Town Center for shopping and dining, and quick freeway access to downtown San Diego, Coronado, and the border round out the appeal. Outdoor lovers will appreciate nearby hiking at Otay Valley Regional Park and boating/fishing at Lower Otay Reservoir, all just minutes away. A rare opportunity to own a fully renovated home in one of South County's most desirable pockets — schedule your showing today!

Mortgage Calculator

Est. Monthly Payment

$7,730

Principal & Interest$6,272
Property Tax$1,129
Insurance$329
%($225,800)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Tiffany (Burton C.) Elementary · grades K-6 · Chula Vista Elementary

  • Middle

    Bonita Vista Middle · grades 7-8 · Sweetwater Union High

  • High

    Bonita Vista 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
$5,441

14 leases of houses within 1 mi, size-adjusted · $4,970–$5,263

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,289
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,481

What would make this work?

$4,481/mo short at 20% down; 78% down or +$5,820/mo rent closes it.

Break-even price

52% under asking

$545,501
Break-even rent

$5,820/mo above the estimate

$11,261/mo
Cashflow at 35% down
−$3,305/mo
Down payment to break even

$880,620 cash

78%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,272
Cap Rate
2.19%
Cash-on-Cash
-23.82%
DSCR

Need ≥ 1.25 for DSCR loan

0.70

NOI (Annual)
$24,753
Price-to-Rent

Lower = better for investors

17.3

* 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−$4,481/mo