510 Avenida Centro #107
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510 Avenida Centro #107

Ctop 80%

Chula Vista, CA 91910

$776,900
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: -$3,302/mo full cashflow at 20% down, 7.43% rate.

Works at $347,053 (55% under asking), or at 82% down.

Rent $3,877/mo from 10 leases of 2–4 bed condos & townhomes within 1 mi ($3,680–$3,950).

Beds

3

Baths

2.5

Sqft

2,011

Year Built

2026

Days on Market

109

Property Type

Townhouse

HOA/mo

$320

MLS ID

NDP2607028

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

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About This Property

This stunning new tri-level home in the vibrant Citrus Bay community of Chula Vista is ready for move-in and is has of the best corner locations in Citrus Bay! Our largest floorplan at 2,011 square feet, this home features 3 bedrooms plus a "flex" room (great for a home office), 2 full bathrooms + a powder room for guests, a generous deck, large living/kitchen/dining area and windows on all sides of this end-unit for ample light. There's an attached 2 -car garage. The laundry room is on the top floor and includes a sink and room for a full-size stacked washer/dryer The home has beautiful finishes throughout-including upgraded flooring with ceramic tile on the 1st & 2nd levels, upgraded carpet pad in carpeted areas, sleek white cabinets/drawers with "soft-close" technology, quartz countertops with full kitchen tile backsplash, SS appliances including a 5-burner gas range, microwave/hood & dishwasher. The corner location on the west side is ideal to enjoy the cool breezes from the marina, which is just 1.4 miles away. This home places you in the heart of Chula Vista with walkable access to restaurants, the Chula Vista Center Mall and more. Beyond the home itself, the community offers a sparkling pool, BBQ areas and a future lush park, perfect for relaxing with family and friends. Photos are of both the professionally decorated model home and the home featured in this listing.

Mortgage Calculator

Est. Monthly Payment

$5,640

Principal & Interest$4,316
Property Tax$777
Insurance$227
HOA$320
%($155,380)
%
Loan Term

Location

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Investment Score

36C
Est. Monthly Rent
$3,877

10 leases of 2–4 bed condos & townhomes within 1 mi · $3,680–$3,950

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,763
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,302

What would make this work?

$3,302/mo short at 20% down; 82% down or +$4,288/mo rent closes it.

Break-even price

55% under asking

$347,053
Break-even rent

$4,288/mo above the estimate

$8,165/mo
Cashflow at 35% down
−$2,493/mo
Down payment to break even

$637,058 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,316
Cap Rate
1.87%
Cash-on-Cash
-25.50%
DSCR

Need ≥ 1.25 for DSCR loan

0.69

NOI (Annual)
$14,494
Price-to-Rent

Lower = better for investors

16.7

* 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−$3,302/mo