359 Plaza Toluca
1 / 20

359 Plaza Toluca

Ctop 80%

Chula Vista, CA 91914

$1,240,000
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: -$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 →

Virtual Tour

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!

Mortgage Calculator

Est. Monthly Payment

$8,709

Principal & Interest$6,889
Property Tax$1,240
Insurance$362
HOA$219
%($248,000)
%
Loan Term

Location

Loading map...

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

24C
Est. Monthly Rent
$6,303

14 leases of 4–6 bed houses within 2 mi · $5,510–$6,316

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,407
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,890

What would make this work?

$4,890/mo short at 20% down; 77% down or +$6,350/mo rent closes it.

Break-even price

51% under asking

$603,391
Break-even rent

$6,350/mo above the estimate

$12,653/mo
Cashflow at 35% down
−$3,598/mo
Down payment to break even

$954,800 cash

77%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,889
Cap Rate
2.24%
Cash-on-Cash
-23.66%
DSCR

Need ≥ 1.25 for DSCR loan

0.72

NOI (Annual)
$27,770
Price-to-Rent

Lower = better for investors

16.4

* 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.

Open Full Calculator
CCashflow−$4,890/mo