487 Hilltop Dr
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487 Hilltop Dr

Ctop 80%

Chula Vista, CA 91910

$1,600,000

Pass at asking: -$7,081/mo full cashflow at 20% down, 7.43% rate.

Works at $677,991 (58% under asking), or at 84% down.

Rent $6,763/mo from 9 leases of houses within 1 mi, size-adjusted ($6,303–$6,915).

Beds

7

Baths

4.5

Sqft

4,728

Year Built

1968

Days on Market

117

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2605404

This property is in Chula Vista (91910). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to 487 Hilltop Drive, a rare opportunity to own an expansive property in one of Chula Vista’s established neighborhoods. Situated on an oversized lot, this impressive home offers an abundance of space, versatility, and endless possibilities to create the lifestyle you’ve always envisioned. Inside, you’ll find a spacious floor plan featuring two full kitchens, making it ideal for multi generational living, extended family, entertaining, or those who simply love to host. The oversized primary suite provides a private retreat with generous space to relax and unwind. Step outside and discover your own backyard oasis. The sparkling pool is perfect for enjoying warm Southern California days, while the expansive yard offers plenty of room for outdoor gatherings, gardening, play areas, or future enhancements. The detached three car garage provides ample space for vehicles, storage, a workshop, or hobbies. Whether you’re searching for room to grow, a home designed for entertaining, or a property with exceptional flexibility, this residence delivers a unique combination of size, function, and opportunity. With its generous layout, impressive lot, and desirable location, this is a home that truly stands apart. Come experience everything 487 Hilltop Drive has to offer and imagine the possibilities. Opportunities like this don’t come around often. Schedule your private tour today and see this exceptional property for yourself. Who’s Next?

Mortgage Calculator

Est. Monthly Payment

$10,955

Principal & Interest$8,889
Property Tax$1,600
Insurance$467
%($320,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Rosebank Elementary · grades K-6 · Chula Vista Elementary

  • Middle

    Hilltop Middle · grades 7-8 · Sweetwater Union High

  • High

    Hilltop 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

16C
Est. Monthly Rent
$6,763

9 leases of houses within 1 mi, size-adjusted · $6,303–$6,915

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$4,193
Full Cashflow

Incl. vacancy, PM, maint, capex

-$7,081

What would make this work?

$7,081/mo short at 20% down; 84% down or +$9,197/mo rent closes it.

Break-even price

58% under asking

$677,991
Break-even rent

$9,197/mo above the estimate

$15,960/mo
Cashflow at 35% down
−$5,415/mo
Down payment to break even

$1,344,000 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$8,889
Cap Rate
1.61%
Cash-on-Cash
-26.56%
DSCR

Need ≥ 1.25 for DSCR loan

0.62

NOI (Annual)
$25,744
Price-to-Rent

Lower = better for investors

19.7

* 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−$7,081/mo