
359 Plaza Toluca
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: -$4,890/mo full cashflow at 20% down, 7.43% rate.
Works at $603,391 (51% under asking), or at 77% down.
Rent $6,303/mo from 14 leases of 4–6 bed houses within 2 mi ($5,510–$6,316).
Beds
5
Baths
4
Sqft
2,887
Year Built
2003
Days on Market
74
Property Type
Single Family
HOA/mo
$219
MLS ID
260021150SD
This property is in Chula Vista (91914). Browse neighborhood analytics →
About This Property
Welcome to 359 Plaza Toluca, an exceptional 5-bedroom, 4-bath residence (2 bedrooms and 2 baths on the first level)in the highly desirable San Miguel Ranch community of Chula Vista. Situated on a generous 7,951 sq. ft. lot and offering approximately 2,887 sq. ft. of living space, this beautiful home blends elegance, comfort, and functionality. The thoughtfully designed floor plan offers generous living spaces and excellent versatility for both everyday living and entertaining. Elegant crown molding, beautiful built-ins, and shutters in the living room windows add timeless character and a refined finishing touch. Five spacious bedrooms and four bathrooms offer plenty of room for family, guests, a home office, or flexible living arrangements. The generous lot creates an inviting opportunity to enjoy Southern California’s indoor-outdoor lifestyle. Ideally located in San Miguel Ranch, this home is close to parks, shopping, dining, schools, community amenities, and convenient transportation routes. With its desirable location, impressive living space, generous lot, and beautiful architectural details, 359 Plaza Toluca is an exceptional opportunity to enjoy the San Miguel Ranch lifestyle. Don’t miss the opportunity to make this beautiful Chula Vista residence your own!
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Est. Monthly Payment
$8,709
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.
Comparable Properties
5 comps foundThis Property
$6,303
Comp Average
$6,639
358 Corte Goleta
5bd / 4ba · 3,058 sqft · Single Family
$1.50M
Est. $8,700/mo
335 Plaza Toluca
6bd / 4ba · 3,016 sqft · Single Family
$1.29M
Est. $6,867/mo
2457 Crooked Trail Road
5bd / 3ba · 2,897 sqft · Single Family
$1.25M
Est. $5,909/mo
437 Corte Calypso
5bd / 3ba · 2,483 sqft · Single Family
$1.20M
Est. $5,352/mo

1918 Corte Maravilla
5bd / 4ba · 2,863 sqft · Single Family
$1.84M
Est. $6,367/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
14 leases of 4–6 bed houses within 2 mi · $5,510–$6,316
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$4,890/mo short at 20% down; 77% down or +$6,350/mo rent closes it.
- Break-even price
- $603,391
- Break-even rent
- $12,653/mo
- Cashflow at 35% down
- −$3,598/mo
- Down payment to break even
- 77%
- Rate to break even
- Not reachable
51% under asking
$6,350/mo above the estimate
$954,800 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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