2495 Mackenzie Creek Road
Ctop 80%Chula Vista, CA 91914
An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.
Pass at asking: -$3,903/mo full cashflow at 20% down, 7.43% rate.
Works at $437,726 (54% under asking), or at 80% down.
Rent $4,625/mo from 8 leases of 3–5 bed houses within 1 mi ($4,409–$5,254).
Beds
4
Baths
2.5
Sqft
1,895
Year Built
2001
Days on Market
84
Property Type
Single Family
HOA/mo
$199
MLS ID
PTP2606296
This property is in Chula Vista (91914). Browse neighborhood analytics →
About This Property
Welcome to Prestigious Rolling Hills Ranch! Discover this beautifully appointed home offering an inviting blend of elegance, comfort, and modern living in one of Chula Vista’s most desirable communities—with NO Mello-Roos tax! Soaring vaulted ceilings and an abundance of natural light create a bright and welcoming atmosphere from the moment you enter. The spacious chef’s kitchen is designed for both everyday living and entertaining, featuring beautiful granite countertops, an oversized island, and top-of-the-line stainless steel appliances, including a refrigerator. Rich engineered hardwood flooring adds warmth and sophistication throughout the main living areas, while the cozy dual-sided fireplace creates the perfect ambiance. The primary suite offers a custom walk-in built-in closet designed for exceptional organization and storage. Enjoy the convenience of an upstairs laundry room and central A/C. Brand new roof! Step outside to a drought-tolerant, fenced front yard designed for easy maintenance. Lovely backyard with new hardscape/landscape! As a resident of Rolling Hills Ranch, enjoy resort-style amenities including five community pools, BBQ areas, and tennis courts. Ideally located within walking distance to Thurgood Marshall Elementary, Eastlake Middle School, and Eastlake High School, with shopping, dining, parks, and major freeways conveniently nearby.
Mortgage Calculator
Est. Monthly Payment
$6,676
Location
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Zoned Schools
Elementary
Marshall (Thurgood) 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.
Comparable Properties
5 comps foundThis Property
$4,625
Comp Average
$4,728
926 Bryce Canyon Ave
4bd / 3ba · 1,880 sqft · Single Family
$965K
Est. $4,775/mo
2464 Mackenzie Creek Road
4bd / 2.5ba · 1,895 sqft · Single Family
$998K
Est. $4,598/mo
767 Dry Creek Drive
5bd / 3ba · 2,259 sqft · Single Family
$1.10M
Est. $5,235/mo
727 San Juan Pl
3bd / 2.5ba · 1,523 sqft · Single Family
$950K
Est. $3,951/mo
442 Corte Calypso
4bd / 3ba · 2,286 sqft · Single Family
$1.17M
Est. $5,080/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 3–5 bed houses within 1 mi · $4,409–$5,254
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,903/mo short at 20% down; 80% down or +$5,069/mo rent closes it.
- Break-even price
- $437,726
- Break-even rent
- $9,694/mo
- Cashflow at 35% down
- −$2,917/mo
- Down payment to break even
- 80%
- Rate to break even
- Not reachable
54% under asking
$5,069/mo above the estimate
$756,720 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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