Elise Fay

Elise Fay

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Active

$1,700,000

($1,081,880 down)
VA

402 Plaza Cambria, Chula Vista, CA 91914

5
4
3,908 sqft
PITI Monthly
$4,877.79 /mo

Listing courtesy of: Astryd Gonzalez, Century 21 Affiliated

Assumed Rate

2.83%
7.15%

Principal & Interest

$2,807 /mo
$4,596 /mo

What's Special

REMODELED
DINING
SPACIOUS
CUSTOM BUILT
DECK
CLUBHOUSE
CUL-DE-SAC

Welcome to this beautifully upgraded 5-bedroom + loft, 3.5-bath home in San Miguel Ranch, set on an expansive 11,236 sq ft corner lot in a cul-de-sac! This spacious layout offers 2 primary suites (one downstairs), a 3-car tandem garage, upstairs laundry, and a loft. Enjoy sweeping views of the ocean, Point Loma, Coronado Islands, Mexico, and surrounding mountains. One of the best features? PAID-IN-FULL solar with 19 panels—huge energy savings from day one! Additional upgrades include a new garage system, EV charger, whole-house water softener, TexCote Coolwall exterior coating, and high-efficiency A/C systems. The kitchen boasts granite counters, stainless appliances, and slide-out shelves. Entertain in style with a formal living and dining room, dual family rooms, custom built-ins, and gorgeous stone and hardwood flooring. Backyard is peaceful and private. HOA offers a pool, spa, gym, clubhouse, and more. Plenty of off-street parking. A true gem inside and out! The sellers have invested in a wide range of thoughtful upgrades to enhance both comfort and functionality throughout the home. These include a brand new garage door system, a whole-house water softener, and custom garage enhancements such as built-in storage cabinets, a workbench, and expansive overhead storage. The kitchen features slide-out shelving for added convenience, and the home is protected by a transferable whole-house termite warranty through Terminix. A custom wall unit was added to the main living area, and the exterior has been upgraded with TexCote Coolwall coating, offering improved energy efficiency and durability. One of the standout features is the fully paid 4.41 KW/DC solar power system with 19 panels, along with a Tesla Level 2 EV charger (up to 48A with a 24-foot cable). The home is wired for high-speed optical internet and includes ceiling fans in all bedrooms, recessed lighting in the upstairs loft and reception area, and newly installed high-efficiency HVAC systems for both floors. Additional improvements include a remodeled guest bathroom, accent and pathway lighting throughout the hallways, reinforcement and waterproofing of the master bedroom deck and window, new outdoor lighting, and concealed audio/TV cabling in the master bedroom and main living room—perfect for wall-mounted screens. These upgrades reflect true pride of ownership and offer excellent value to the future homeowner.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
2.83
Remaining Loan Term
25 years, 11 months
Monthly PITI
$4,877.79/mo
Estimated Loan Balance
$872,153
Cash to close
$1,081,880
Interest Paid
$75,176

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir, NaturalGas
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Partial
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: Community

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 2004
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Chula Vista
  • Features: Pool
HOA
  • Has HOA: Yes
  • HOA Name: San Miguel Ranch Master A
  • HOA Amenities: Unknown
  • HOA Fee: $202
  • HOA Frequency: $Monthly
Location
  • Region: Chula Vista

Financial Details

  • Price per Sqft: $435.01
  • Tax Annual Amount: $21250
  • On Market Date: 2025-04-03T00:00:00.000Z
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Savings Calculator

Current cash to close is $1,081,880 (64%)
You can enter any amount below - secondary financing will cover the difference if needed.
64%
$

You cover the entire equity of $1,081,880!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage2.83% Sellers Rate
$618,120
Your Cash:$1,081,880
Total Purchase Price:$1,700,000

Assumed vs Traditional Mortgage

Assumed @ 2.83%
$2,807/mo
Traditional @ 7.5%
$4,767/mo
You save $1,960/month ($23,525/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250023447SD

Listing From:

Last updated: 2025-04-05T00:06:21.000Z

© , CRMLS. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

2.83%
7.15%

Principal & Interest

$2,807 /mo
$4,596 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $1,081,880 (64%)
You can enter any amount below - secondary financing will cover the difference if needed.
64%
$

You cover the entire equity of $1,081,880!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage2.83% Sellers Rate
$618,120
Your Cash:$1,081,880
Total Purchase Price:$1,700,000

Assumed vs Traditional Mortgage

Assumed @ 2.83%
$2,807/mo
Traditional @ 7.5%
$4,767/mo
You save $1,960/month ($23,525/year)

*Secondary financing rates are an estimated value based on input

Follow Us
eXp Realty
Agent/Broker
Elise FayeXp Realty(602) 329-7782elise@elisefay.comMLS SA5401250000

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