554 Port Harwick
Ctop 80%Chula Vista, CA 91913
An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.
Pass at asking: -$5,428/mo full cashflow at 20% down, 7.36% rate.
Works at $489,668 (59% under asking), or at 86% down.
Rent $5,029/mo from 8 leases of 3–5 bed houses within 1 mi ($4,876–$5,115).
Beds
4
Baths
2.5
Sqft
2,407
Year Built
1988
Days on Market
0
Property Type
Single Family
HOA/mo
$130
MLS ID
PTP2608371
This property is in Chula Vista (91913). Browse neighborhood analytics →
About This Property
This gorgeous four-bedroom, two-and-a-half-bathroom home is a must-see, featuring a spectacular backyard view, especially at sunset, with vistas toward Downtown and Coronado. The residence offers numerous amenities, including high ceilings, ample lighting, and a beautiful wooden spiral staircase leading to the upper level. Recent upgrades include a new roof, water softener, tankless water heater, copper piping throughout, and recent termite treatment. The home is adorned with custom vertical shutters, and both the upper and lower air conditioning units are new. While currently configured as a three-bedroom home due to an expanded master suite, it was originally designed as a four-bedroom layout. The interior boasts lovely tile flooring throughout, complemented by elegant custom granite countertops in the kitchen and both bathrooms. Furthermore, the front and back yards are designed for low maintenance. For the winter months, the family room features a cozy granite fireplace, high cathedral ceilings, and large highlight windows. Finally, the solar panels will be fully paid off by the sellers at the close of escrow. This property is truly gorgeous and has been beautifully maintained. Lastly solar panels sellers to pay off at close of escrow.
Mortgage Calculator
Est. Monthly Payment
$8,301
Location
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Zoned Schools
Elementary
EastLake 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
$5,029
Comp Average
$5,171
2098 Paseo Cultura
4bd / 3.5ba · 2,569 sqft · Single Family
$1.02M
Est. $5,487/mo
2019 Avenida Palomino
4bd / 3ba · 2,498 sqft · Single Family
$1.02M
Est. $5,388/mo
1757 Clover Tree Court
4bd / 2ba · 2,177 sqft · Single Family
$975K
Est. $4,645/mo
1434 Carpinteria Street
4bd / 3ba · 2,321 sqft · Single Family
$1.07M
Est. $4,788/mo
2070 Via Estancia
4bd / 3ba · 2,535 sqft · Single Family
$1.22M
Est. $5,546/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 · $4,876–$5,115
Blended 50/50 with the zip's market median ($5,072)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,428/mo short at 20% down; 86% down or +$7,050/mo rent closes it.
- Break-even price
- $489,668
- Break-even rent
- $12,079/mo
- Cashflow at 35% down
- −$4,187/mo
- Down payment to break even
- 86%
- Rate to break even
- Not reachable
59% under asking
$7,050/mo above the estimate
$1,032,000 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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