2004 Plaza Acapulco

2004 Plaza Acapulco

Ctop 80%

Chula Vista, CA 91914

$2,375,000
NEW — 1d
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: -$12,620/mo full cashflow at 20% down, 7.36% rate.

Works at $723,760 (70% under asking), or at 98% down.

Rent $7,452/mo from 8 leases of 4–6 bed houses within 2 mi ($7,205–$8,028).

Beds

5

Baths

5

Sqft

4,983

Year Built

2009

Days on Market

1

Property Type

Single Family

HOA/mo

$207

MLS ID

PTP2608197

This property is in Chula Vista (91914). Browse neighborhood analytics →

About This Property

COMING SOON! Big spaces, pool days, and a little room to show off—welcome to 2004 Plaza Acapulco! Set on approximately 0.83 acres in desirable San Miguel Ranch, this beautiful five-bedroom home offers approximately 4,983 square feet of living space and plenty of reasons to stay home for the weekend. Inside, generously sized rooms give you space to spread out, gather, and finally buy that oversized sofa you’ve been eyeing. Two staircases add convenience, while two downstairs bedrooms offer flexibility for guests or everyday living. A casita currently used as an office makes working from home especially appealing. The beautifully appointed kitchen features high-end appliances and granite countertops, ready for everything from a quiet morning coffee to a dinner party that somehow ends with everyone gathered in the kitchen. Whether you’re an enthusiastic home chef or a talented takeout arranger, you’ll appreciate the setting. Outside, the sparkling in-ground pool takes center stage, surrounded by graceful palms and fruit trees that bring a little vacation energy to everyday life. Picture sunny afternoons, outdoor meals, and weekends where the biggest decision is another swim or another snack. With a lot this generous, there’s room to enjoy the outdoors and entertain in style. Fair warning: you may become the preferred host. Beyond your backyard, San Miguel Ranch offers a clubhouse, community pool and spa, fitness center, tennis court, basketball court, and playground. Nearby shopping and dining at The Shops at San Miguel Ranch keep everyday conveniences close, while access to SR-125 and connecting freeways helps you get wherever the day takes you. Beautiful spaces, a backyard made for enjoyment, and a sought-after Chula Vista location—this is a home with room for your plans and plenty of personality. Come for the space. Stay for the lifestyle.

Mortgage Calculator

Est. Monthly Payment

$16,378

Principal & Interest$13,103
Property Tax$2,375
Insurance$693
HOA$207
%($475,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Liberty Elementary · grades K-6 · Chula Vista Elementary

  • Middle

    Eastlake Middle · grades 7-8 · Sweetwater Union High

  • High

    Eastlake 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

4C
Est. Monthly Rent
$7,452

8 leases of 4–6 bed houses within 2 mi · $7,205–$8,028

Monthly Cashflow

Rent − PITIA

-$8,926
Full Cashflow

Incl. vacancy, PM, maint, capex

-$12,620

What would make this work?

$12,620/mo short at 20% down; 98% down or +$16,389/mo rent closes it.

Break-even price

70% under asking

$723,760
Break-even rent

$16,389/mo above the estimate

$23,841/mo
Cashflow at 35% down
−$10,163/mo
Down payment to break even

$2,327,500 cash

98%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$13,103
Cap Rate
0.43%
Cash-on-Cash
-31.88%
DSCR

Need ≥ 1.25 for DSCR loan

0.45

NOI (Annual)
$10,278
Price-to-Rent

Lower = better for investors

26.6

* 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−$12,620/mo